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**Exhibit 13.0**

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**Selected Consolidated Financial and Other Data of the Company**

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The selected consolidated financial and otherdata of the Company set forth below is derived from, and should be read inconjunction with, the Consolidated Financial Statements of the Company andNotes thereto presented elsewhere in the Annual Report.  Prior to April 3, 1998, the company had nosignificant assets, liabilities or operations, and accordingly, the data priorto such time represents the financial condition and results of operations ofthe Bank.
|                                          |               |     |    |     |    |     |    |     |    |     |    |
|-----------------------------------------------|--------------------|----------|---------|----------|---------|----------|---------|----------|---------|----------|---------|
|                                          |               |     |    |     |    |     |    |     |    |     |    |
| At December 31,                               |               | **2002** |    | **2001** |    | **2000** |    | **1999** |    | **1998** |    |
|                                          | **(in thousands)** |     |
| Selected Consolidated Financial Data:         |               |     |
| Total assets                                  |               | $        | 782,376 |     | 673,443 |     | 583,201 |     | 510,972 |     | 420,876 |   |
| Loans receivable, net                         |               | 597,038  |    | 537,071  |    | 459,795  |    | 396,007  |    | 308,990  |    |
| Investment securities available-for-sale      |               | 87,982   |    | 68,615   |    | 64,071   |    | 61,080   |    | 57,637   |    |
| Mortgage-backed securities available-for-sale |               | 15,256   |    | 13,856   |    | 9,454    |    | 11,882   |    | 17,880   |    |
| Deposits                                      |               | 524,190  |    | 420,084  |    | 369,533  |    | 323,879  |    | 269,582  |    |
| FHLB advances                                 |               | 171,700  |    | 175,200  |    | 140,200  |    | 115,200  |    | 57,000   |    |
| Total equity                                  |               | 74,777   |    | 68,629   |    | 67,285   |    | 66,422   |    | 88,755   |    |
| Non-performing loans (7)                      |               | 2,396    |    | 2,580    |    | 4,532    |    | 1,270    |    | 1,006    |    |
| Foreclosed real estate                        |               | 1,986    |    | —   |    | 540      |    | 168      |    | 193      |    |
| Non-performing assets (8)                     |               | 4,382    |    | 2,580    |    | 5,072    |    | 1,438    |    | 1,199    |    |
| Allowance for loan losses                     |               | 3,141    |    | 2,255    |    | 1,881    |    | 1,545    |    | 1,373    |    |
|                                          |               |     |    |     |    |     |    |     |    |     |    |
|                                               |                    |          |         |          |         |          |         |          |         |          |         |  |  |

 
| For the Year Ended December 31,                     |   | **2002**           |   | **2001** |   | **2000** |   | **1999** |   | **1998 (1)** |   |
|-----------------------------------------------------|--------|--------------------|--------|----------|--------|----------|--------|----------|--------|--------------|--------|
|                                                |   | **(in thousands)** |   |
| Selected Operating Data:                            |   |               |   |
| Interest income                                     |   | $                  | 45,018 |     | 43,841 |     | 39,814 |     | 31,983 |         | 28,316 |   |
| Interest expense                                    |   | 22,821             |   | 25,433   |   | 23,401   |   | 16,301   |   | 14,098       |   |
| Net interest income                                 |   | 22,197             |   | 18,408   |   | 16,413   |   | 15,682   |   | 14,218       |   |
| Provision for loan losses                           |   | 900                |   | 500      |   | 363      |   | 211      |   | 293          |   |
| Net interest income after provision for loan losses |   | 21,297             |   | 17,908   |   | 16,050   |   | 15,471   |   | 13,925       |   |
| Noninterest income                                  |   | 4,320              |   | 1,820    |   | 1,330    |   | 1,239    |   | 906          |   |
| Noninterest expenses                                |   | 16,646             |   | 12,585   |   | 11,388   |   | 10,452   |   | 14,557       |   |
| Income before income tax expense                    |   | 8,971              |   | 7,143    |   | 5,992    |   | 6,258    |   | 274          |   |
| Income tax expense                                  |   | 2,882              |   | 2,508    |   | 2,130    |   | 2,237    |   | 10           |   |
| Income before minority interest                     |   | 6,089              |   | 4,635    |   | 3,862    |   | 4,021    |   | 264          |   |
| Minority interest                                   |   | (58                | )      | —   |   | —   |   | —   |   | —       |   |
| Net income                                          |   | $                  | 6,147  |     | 4,635  |     | 3,862  |     | 4,021  |         | 264    |   |
|                                                |   |               |   |     |   |     |   |     |   |         |   |

 
| For the Year Ended Decemebr 31,                                          |   | **2002** |   | **2001** |   | **2000** |   | **1999** |   | **1998 (1)** |   |
|--------------------------------------------------------------------------|--------|----------|--------|----------|--------|----------|--------|----------|--------|--------------|--------|
| Selected Financial Ratios and Other Data (2)                             |   |     |   |     |   |     |   |     |   |         |   |
| Performance Ratios:                                                      |   |     |   |     |   |     |   |     |   |         |   |
| Return on average assets                                                 |   | 0.84     | %      | 0.73     | %      | 0.69     | %      | 0.87     | %      | 0.06         |   |
| Return on average equity                                                 |   | 8.52     |   | 6.82     |   | 5.89     |   | 5.22     |   | 0.34         |   |
| Average equity to average assets                                         |   | 9.85     |   | 10.73    |   | 11.79    |   | 16.57    |   | 19.12        |   |
| Equity to total assets at end of period                                  |   | 9.56     |   | 10.19    |   | 11.54    |   | 13.02    |   | 21.09        |   |
| Net interest rate spread (3)                                             |   | 2.87     |   | 2.41     |   | 2.38     |   | 2.70     |   | 2.53         |   |
| Net interest margin (4)                                                  |   | 3.27     |   | 3.03     |   | 3.07     |   | 3.52     |   | 3.63         |   |
| Average interest earning assets to average interest bearing  liabilities |   | 112.20   |   | 115.10   |   | 115.77   |   | 122.51   |   | 130.69       |   |
| Noninterest expense to average assets                                    |   | 2.27     |   | 1.99     |   | 2.05     |   | 2.25     |   | 3.58         |   |
| Efficiency ratio (5)                                                     |   | 62.80    |   | 62.20    |   | 64.18    |   | 61.77    |   | 96.25        |   |
| Bank Regulatory Capital Ratios (6):                                      |   |     |   |     |   |     |   |     |   |         |   |
| Leverage Capital                                                         |   | 8.92     |   | 9.53     |   | 10.50    |   | 12.77    |   | 16.78        |   |
| Total risk based capital                                                 |   | 13.41    |   | 14.58    |   | 16.88    |   | 18.58    |   | 28.42        |   |
| Asset Quality Ratios:                                                    |   |     |   |     |   |     |   |     |   |         |   |
| Non-performing loans as a percent of loans (7)(9)                        |   | 0.40     |   | 0.48     |   | 0.99     |   | 0.32     |   | 0.32         |   |
| Non-performing assets as a percent of total assets (8)                   |   | 0.56     |   | 0.38     |   | 0.87     |   | 0.28     |   | 0.28         |   |
| Allowance for loan losses as a percent of loans (9)                      |   | 0.53     |   | 0.42     |   | 0.41     |   | 0.39     |   | 0.44         |   |
| Allowance for loan losses as a percentof total non-performing loans (7)  |   | 71.68    |   | 87.40    |   | 41.51    |   | 121.65   |   | 136.47       |   |
| Other Data:                                                              |   |     |   |     |   |     |   |     |   |         |   |
| Number of customer facilities                                            |   | 8        |   | 7        |   | 7        |   | 6        |   | 5            |   |
|                                                                     |   |     |   |     |   |     |   |     |   |         |   |

 

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| (1) | Includes the effect of the  one-time, non-recurring contribution to the Elgin Financial Foundation. The  Company established the Foundation with a one-time donation of 554,921 shares  of common stock coinciding with the close of the stock offering. The Company  recorded a one-time $5.5 million pre-tax (or $3.5 million after tax) expense  from this donation. |   |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
| (2) | Asset Quality Ratios and  Regulatory Capital Ratios are end of period ratios. With the exception of end  of period ratios, all ratios are based on average monthly balances during the  indicated periods.                                                                                                                                                              |   |
| (3) | The net interest rate  spread represents the difference between the weighted average yield on  average interest-earning assets and the weighted average cost of average  interest-bearing liabilities.                                                                                                                                                                  |   |
| (4) | The net interest margin  represents net interest income as a percent of average interest-earning  assets.                                                                                                                                                                                                                                                               |   |
| (5) | The efficiency ratio  represents the ratio of noninterest expense divided by the sum of net  interest income and noninterest income.                                                                                                                                                                                                                                    |   |
| (6) | For definitions and  further information relating to the Bank’s regulatory capital requirements,  see Item 1,“Business” in  the accompanying Form 10-K.                                                                                                                                                                                                  |   |
| (7) | Non-performing loans  consist of all non-accrual loans and all other loans 90 days or more past  due. It is the Bank’spolicy to  generally cease accruing interest on all loans 90 days or more past due. See,  Item 1,“Business” in  the accompanying Form 10-K.                                                                                        |   |
| (8) | Non-performing assets  consist of non-performing loans and real estate owned, net.                                                                                                                                                                                                                                                                                      |   |
| (9) | Loans represent loans  receivable net, excluding the allowance for loan losses.                                                                                                                                                                                                                                                                                         |   |

 

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