Consolidated Financial Highlights
	(Dollars in thousands, except per share data)	2000	1999	% Change
	For the Year
	Net interest income	$ 28,111	$ 27,697	1.50%
	Other operating income	8,157	7,199	13.31%
	Other operating expense	21,997	20,739	6.07%
	Net income	8,311	7,961	4.40%
	Return on average assets	1.03%	1.12%	(9.82%)
	Return on average shareholders' equity	13.40%	13.56%	(1.18%)
	At Year End
	Net loans	609,553	564,773	7.93%
	Assets	847,598	793,280	6.85%
	Deposits	649,977	598,572	8.56%
	Shareholders' equity	65,511	58,096	12.76%
	Per Share
	Earnings per share	$1.37	$1.30	5.38%
	Regular dividends paid	.64	.62	3.23%
	Shareholders' equity at year end	10.77	9.55	12.77%
	Market price at year end	10.38	14.44	(28.12%)
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