1999

1998

$(000)

$(000)

ASSETS

Cash & balances due from depository institutions:

Noninterest-bearing balances and currency and coin

5,063

3,524

Interest-bearing balances

40

5,916

Securities:

Held-to-maturity

0

0

Available-for-sale

31,018

26,148

Federal funds sold

0

0

Loans:

Loans, net of unearned income

79,001

73,686

LESS: Allowance for loan losses

911

801

LESS: Allocated transfer risk reserve

0

0

Loans, net of unearned income, allowance, and reserve

78,090

72,885

Assets held in trading accounts

0

0

Premises and fixed assets

2,110

2,145

Other real estate owned

121

57

Intangible assets

733

831

Other assets

2,052

1,746

TOTAL ASSETS

119,227

113,252

LIABILITIES

Deposits in domestic offices:

Noninterest-bearing

12,581

14,689

Interest-bearing

80,501

83,849

Demand notes issued to the US Treasury

0

0

Other borrowed money with a maturity of:

One year or less

4,951

1,000

More than one year through three years

0

0

More than three years

7,500

0

Other liabilities

570

645

Total liabilities

106,103

100,183

EQUITY CAPITAL

Common stock

213

213

Surplus

1,749

1,749

Undivided profits

11,812

10,996

Net unrealized gain/(losses) on A-F-S securities

(650)

111

Total equity capital

13,124

13,069

TOTAL LIABILITIES AND EQUITY CAPITAL

119,227

113,252