Quarter Ended June 30				Six Months Ended September 30
	2001	2000	%Change		2001	2000	%Change
Results of Operations
Net interest income	$2,736,461	$2,721,033	1%		$5,637,853	$5,561,719	1%
Provision for loan losses	137,500	112,000	23%		275,000	224,000	23%
Non-interest income	2,022,642	1,936,804	4%		3,702,239	3,807,982	-3%
Non-interest expenses	3,894,043	3,932,063	-1%		7,593,814	8,033,871	-5%
Income taxes	200,666	152,924	31%		439,213	225,416	95%
Net income	526,894	460,850	14%		1,032,065	886,414	16%
Per Share
Net income	0.19	0.17	16%		0.38	0.32	18%
Cash dividends declared	0.09	0.09	0%		0.18	0.18	0%
Book value					11.85	10.84	9%
Common stock closing price					11.70	14.25	-18%
At June 30
Federal funds sold					6,312,901	1,112,354	468
Investment securities					111,360,595	60,343,168	85%
Loans (net of unearned income)					228,801,698	280,113,070	-18%
Earning assets - Note 1					344,811,983	345,166,938	0%
Total assets					374,339,627	372,720,938	0%
Total deposits					280,344,534	268,763,704	4%
Stockholders' equity					32,085,428	29,695,479	8%
Common shares outstanding					2,707,733	2,738,766
Average Balances
Federal funds sold	9,101,792	802,191	1035%		9,445,960	521,434	1712%
Investment securities	107,530,856	63,738,905	69%		95,464,650	69,131,926	38%
Loans (net of unearned income)	235,490,318	276,504,925	-15%		249,961,922	270,594,816	-8%
Earning assets - Note 1	351,022,182	342,923,795	2%		354,132,468	342,392,473	3%
Total assets	382,576,694	371,540,342	3%		385,888,862	372,125,307	4%
Total deposits	288,493,501	266,638,682	8%		290,591,442	264,877,153	10%
Stockholders' equity	31,738,657	29,392,842	8%		31,573,778	29,477,281	7%
Earnings Ratios
Return on average total assets	0.55%	0.50%			0.53%	0.48%
Return on average stockholders'
equity	6.64%	6.27%			6.54%	6.01%
Net yield on average earning
assets - Note 1	3.27%	3.35%			3.33%	3.37%
Interest rate spread - Note 1	2.74%	2.72%			2.80%	2.75%
Credit Ratios
Nonaccrual, restructured, and delinquent
loans over 90 days to total loans					0.71%	0.55%
Allowance to total loans					1.37%	1.06%
Net loan losses to average loans	0.03%	0.01%			0.06%	0.03%
Capital Ratios (period end)
Stockholders' equity to total
assets					8.57%	7.97%
Leverage capital - Note 2					7.85%	7.85%
Tier 1 risk-based capital - Note 2					12.06%	13.93%
Total risk-based capital - Note 2					13.31%	12.82%

Note 1 : Calculated using amortized cost basis of investments which does not consider the effect of
market value gains or losses resulting from Statement of Financial Accounting Standards No. 115.

Note 2 : Regulatory capital ratios exclude the net unrealized holding gains or losses on available
for sale securities, except that 45% of the unrealized market value gains on equity
securities are included in total capital in accordance with regulations.

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