1999

1998

$(000)

$(000)

Interest income:

Interest and fee income on loans:

Real estate loans

2,604

2,564

Installment loans

1,956

1,910

Credit cards and related plans

130

121

Commercial and all other loans

2,242

2,013

Interest income on balances due from depository institutions

53

76

Interest and dividend income on securities:

US Treasury securities and US Govt. agency

722

1,120

Securities issued by state and political subdivisions in U.S.:

Taxable securities

0

0

Tax-exempt securities

682

413

Other domestic securities(debt and equity)

109

52

Equity securities

38

0

Interest income on federal funds sold

38

98

Total interest income

8,574

8,367

Interest Expense:

Interest on deposits:

Time certificates of deposit of $100,000 or more

731

692

All other deposits:

Transaction accounts(now account)

149

156

Money market deposit accounts

163

147

Other savings deposits

739

764

All other time deposits

1,784

1,998

Interest on other borrowed money

182

88

Total interest expense

3,748

3,845

Net Interest Income

4,826

4,522

Provision for loan and lease losses

133

164

Noninterest income

Service charges on deposit accounts

372

339

Trading gains(losses)

35

40

Other noninterest income

291

237

Total noninterest income

663

576

Noninterest expense:

Salaries and employee benefits

1,625

1,426

Expenses of premises and fixed assets

448

398

Other noninterest expense

1,474

1,369

Total noninterest expense

3,547

3,193

Income(loss)before income taxes

1,844

1,781

Applicable income taxes

396

465

Net Income(loss)

1,448

1,316