Selected Financial Data

(in thousands, except per share)

	12/31/99	12/31/00
Net income	$1,801,000	$2,388,000
Return on average assets	1.09%	.87%
Return on average equity	10.39%	12.75%
Net income per share - Diluted	$.23	$.32
Book value at period-end	$9.19	$ 10.42
Total Assets	$821,827,000	$881,961,000
Total Deposits	$646,866,000	$692,472,000
Total Loans (net of unearned income)	$543,367,000	$580,790,000