text: **Percent of Total Loans:**
  
  **2002**
  32.34% 
  5.28 
  38.93 
  23.45  **2001**
  33.19% 
  5.02 
  37.27 
  24.52  Commercial, financial and agricultural..................................... 
  Real estate — construction ........................................................ 
  Real estate — mortgage ............................................................. 
  Consumer, net of unearned income ........................................... 
  
  Certain loans classified for regulatory purposes as doubtful, substandard, or special mention are included in the 
  nonperforming asset table. Also included in classified loans are certain other loans that are deemed to be potential 
  problems. Potential problem loans are those loans that are currently performing but where known information about 
  trends or uncertainties or possible credit problems of the borrowers causes management to have serious doubts as to 
  the ability of such borrowers to comply with present repayment terms, possibly resulting in the transfer of such loans 
  to nonperforming status. These potential problem loans totaled $12.0 million as of December 31, 2002. 