text: ASSETS 
  
  CASH AND DUE FROM BANKS 
  
  FEDERAL FUNDS SOLD 
  
  Total cash and cash equivalents 
  
  INTEREST-BEARING DEPOSITS IN BANKS 
  
  INVESTMENT SECURITIES: 
  
  Securities held-to-maturity (fair value of $211,862,151 in 
   2002 and $298,569,794 in 2001) 
  Securities available-for-sale, at fair value 
  
  Total investment securities 
  
  LOANS 
  Less- allowance for loan losses 
  
  Net loans 
  
  BANK PREMISES AND EQUIPMENT, net 
  
  INTANGIBLE ASSETS 
  
  OTHER ASSETS 
  
  Total assets 
  
  LIABILITIES AND SHAREHOLDERS’ EQUITY 
  
  NONINTEREST-BEARING DEPOSITS 
  
  INTEREST-BEARING DEPOSITS 
  
  Total deposits 
  
  DIVIDENDS PAYABLE 
  
  SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE 
  
  OTHER LIABILITIES 
  
  Total liabilities 
  
  COMMITMENTS AND CONTINGENCIES 
  
  SHAREHOLDERS’ EQUITY: 
  
  Common stock, $10 par value; authorized 20,000,000 shares; 
   12,364,201 and 12,333,252 issued and outstanding at 
   December 31, 2002 and 2001, respectively 
  Capital surplus 
  Retained earnings 
  Accumulated other comprehensive earnings 