1999

1998

$(000)

$(000)

Loans past due 90days or more and stilling accruing:

Real estate loans

54

92

Installment loans

155

166

Credit cards and related plans

10

16

Commercial and all other loans

381

702

Total

600

976

Nonaccrual loans:

Real estate loans

0

262

Installment loans

0

0

Credit cards and related plans

0

0

Commercial and all other loans

411

0

Total

411

262