text: 6. LINE OF CREDIT 
  
  The Company has a line of credit with a nonaffiliated bank under which it could borrow up to $25,000,000. The 
  line of credit is unsecured and matures on June 30, 2003. Bankshares paid no fee to secure the unused line of credit 
  and, accordingly, did not estimate a fair value of the unused line of credit at December 31, 2002 and 2001. The line 
  of credit carries an interest rate of the London Interbank Offering Rate plus 1.0%. There was no outstanding balance 
  under the line of credit as of December 31, 2002 and 2001. 