| INCOME STATEMENT(RI) | Sep 2001 | Dec 2000 | Dec 1999 |
| Interest & Fee Income on Loans: | 12,437 | 17,872 | 16,396 |
| ---Real Estate Loans | 5,856 | 8,141 | 7,482 |
| ---Loans to Individuals: | 3,220 | 5,289 | 4,716 |
| ---Credit Cards & Related Plans | 101 | 117 | 115 |
| ---Other (Installment Loans) | 3,119 | 5,172 | 4,601 |
| ---Commercial & All Other Loans: | 3,361 | 4,442 | 4,198 |
| ---Loans to Depository Institutions | N/A | N/A | N/A |
| ---Loans to Finance Agric Prod | 733 | 951 | 741 |
| ---Commercial and Industrial Loans | 2,431 | 3,153 | 3,109 |
| ---Obligations of St & Pol Subdiv: | 75 | 115 | 124 |
| ---Taxable Obligations | 0 | 0 | 1 |
| ---Tax-exempt Obligations | 75 | 115 | 123 |
| ---Loans to Foreign Governments | 0 | 0 | 0 |
| ---All Other Loans in Dom Offices | 122 | 223 | 224 |
| ---Loans in Foreign Offices | 0 | 0 | 0 |
| Income from Lease Financing Recvbl: | 50 | 60 | 52 |
| Taxable leases | 50 | 60 | 52 |
| Tax-exempt leases | 0 | 0 | 0 |
| Int Inc on Bal Due from Dep Inst: | 0 | 0 | 0 |
| In Domestic Offices | 0 | 0 | 0 |
| In Frgn Offices, Edge Agree & IBFs | 0 | 0 | 0 |
| Interest & Dividend Income on Secs: | 2,100 | 3,126 | 4,090 |
| ---Secs Issued by States & Pol Subs: | 134 | 191 | 296 |
| ------Taxable Securities | 0 | 0 | 0 |
| ------Tax-exempt Securities | 134 | 191 | 296 |
| ---US Govt & Other Debt Securities: | 1,936 | 2,883 | 3,743 |
| ---US Treasury & Agency Obligations | 1,805 | 2,640 | 3,498 |
| ---Other Domestic Debt Securities | 131 | 243 | 245 |
| ---Foreign Debt Securities | 0 | 0 | 0 |
| ---Equity Securities | 30 | 52 | 51 |
| Interest Income from Trading Account | 0 | 0 | 0 |
| Interest Income from Fed Funds Sold | 851 | 333 | 179 |
| Total Interest Income | 15,438 | 21,391 | 20,717 |
| Interest Expense on Deposits: | 5,626 | 7,514 | 5,996 |
| NOW, ATS, & Oth Transfer Accounts | 266 | 1,507 | 1,598 |
| Nontransaction Accounts: | |||
| Money Mkt Deposit Accts (MMDAs) | 2,178 | 1,289 | 1,127 |
| Other Savings Deposits | 361 | 559 | 392 |
| Time Deposits excl $100,000+ CDs | 2,408 | 3,594 | 2,485 |
| Time CDs of $100,000 or More | 413 | 565 | 394 |
| In Frgn Offices, Edge Agree & IBFs | 0 | 0 | 0 |
| Int Expense on Fed Funds Purchased | 189 | 707 | 528 |
| Int on US Notes & Oth Borrowed Money | 5 | 1 | 0 |
| Int on Mortgage Indebt, Cap Leases | 0 | 0 | 0 |
| Interest on Subordinated Notes & Deb | 0 | 0 | 0 |
| Total Interest Expense | 5,820 | 8,222 | 6,524 |
| Net Interest Income | 9,618 | 13,169 | 14,193 |
| Net Interest Income (Tax Adj) | 9,726 | 13,327 | 14,409 |
| Provision for Loan & Lease Losses | 779 | 1,238 | 648 |
| Provision for Alloc Transfer Risk | 0 | 0 | 0 |
| Noninterest Income: | |||
| ----Income from Fiduciary Activities | 0 | 0 | 0 |
| ----Service Charges on Deposit Accts | 1,375 | 1,717 | 1,588 |
| ----Trading Revenue | 0 | 0 | 0 |
| ---Oth Frgn Transaction Gains(Losses) | 0 | 0 | 0 |
| ---Oth Gn(Ls) &Fees from Trad Asst/Liab | N/A | 0 | 0 |
| ---Other Noninterest Income | 540 | 464 | 508 |
| ------Other Fee Income | 444 | 403 | 431 |
| ------All Other Noninterest Income | 96 | 61 | 77 |
| Total Noninterest Income | 1,915 | 2,181 | 2,096 |
| Realized Gain(Loss)on Securities: | 0 | 1,349 | -1,725 |
| ---Rlzd Gain(Loss)Held to Mat Secs | 0 | -7 | -15 |
| ---Rlzd Gain(Loss)AvailforSaleSecs | 0 | 1,356 | -1,710 |
| Noninterest Expense: | |||
| ---Salaries & Employee Benefits | 2,349 | 3,694 | 4,432 |
| ---Exp of Premises & Fixed Asset, Net | 752 | 1,043 | 990 |
| ---Other Noninterest Expense | 3,523 | 4,455 | 4,628 |
| Total Noninterest Expense | 6,624 | 9,192 | 10,050 |
| Inc Before Taxes & Extraordinary Itm | 4,130 | 6,269 | 3,866 |
| Less: Applicable Income Taxes | 1,521 | 2,298 | 1,271 |
| Income Before Extraordinary Items | 2,609 | 3,971 | 2,595 |
| Extraordinary Itms, Gross of Inc Tax | 0 | 0 | 0 |
| Less:Applicable Inc Tax on Extra Itm | 0 | 0 | 0 |
| Extraordinary Itm, Net of Inc Tax | 0 | 0 | 0 |
| Net Income (Loss) | 2,609 | 3,971 | 2,595 |