UNITED STATES
                    SECURITIES AND EXCHANGE COMMISSION
                         WASHINGTON, D.C. 20549

                               FORM l0-K/A

[X]     ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
        SECURITIES EXCHANGE ACT OF 1934

                For the fiscal year ended December 31, 2000

                                  OR

[ ]     TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
        SECURITIES EXCHANGE ACT OF 1934

        For the transition period from ______________to ____________

        Commission File Number       1-10602

      ______________________MID-AMERICA BANCORP____________________

         (Exact name of registrant as specified in its charter)

            Kentucky                             61-1012933
   (State or other jurisdiction of            (I.R.S. Employer
   incorporation or organization)             Identification No.)

      500 West Broadway
    Louisville, Kentucky                         40202

    (Address of Principal                      (Zip Code)
      Executive Offices)

Registrant's telephone number, including area code:(502) 589-3351

Securities registered pursuant to Section 12(b) of the Act:

                                         Name of each exchange
   Title of each class                    on which registered
      Common Stock                                  AMEX

Securities registered pursuant to Section 12(g) of the Act: None


Indicate by check mark whether the registrant (1) has filed all
reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months
(or for such shorter period that the registrant was required to
file such reports), and (2) has been subject to such filing
requirements for the past 90 days.    YES   X     NO


Indicate by check mark if the disclosure of delinquent filers
pursuant to Item 405 of Regulation S-K is not contained herein,
and will not be contained, to the best of registrant's knowledge,
in definitive proxy or information statements incorporated by
reference in Part III of this Form 10-K or any amendment to this
Form 10-K.   [x]


The aggregate market value of the voting stock held by non-
affiliates (shareholders other than directors, executive officers
and principal shareholders) of the registrant as of February 22,
2001 was approximately $195,514,123.

The number of shares outstanding of the registrant's common stock
as of February 22, 2001 was 11,007,099.


               DOCUMENTS INCORPORATED BY REFERENCE


Portions of Registrant's Annual Report to Shareholders for the
year ended December 31, 2000, are incorporated by reference into
Parts I and II.

Portions of Registrant's Proxy Statement for the Annual Meeting
of Shareholders to be held April 26, 2001, are incorporated by
reference into Part III.


<PAGE>



Introduction - This amendment to Form 10K is for the sole purpose
    of correcting formatting errors that were contained in the Summary
    of Loan Loss Experience table in Part I, Item 1 and the Consolidated
    Balance Sheets in Exhibit 13 of the Form 10K.










<PAGE>
                               PART I

ITEM 1. BUSINESS OF MID-AMERICA BANCORP

Incorporated on May 7, 1982, Mid-America Bancorp (the "Company")
is a Kentucky corporation registered as a bank holding company
pursuant to the Bank Holding Company Act of 1956, as amended (the
"BHC Act").  The Company is registered with,  and subject to, the
supervision of the Board of Governors of the Federal Reserve
System (the "Federal Reserve Board").

The Company's banking subsidiary, Bank of Louisville (the
"Bank"), is the Company's primary subsidiary.  The Bank was
established as a Kentucky banking corporation on October 14,
1925, under the name "Morris Plan Industrial Bank".  On July 2,
1946 the Bank's name was changed to "Bank of Louisville".  The
Bank merged with "Royal Bank and Trust Company" in 1963 under the
name Bank of Louisville-Royal Bank and Trust Co.  The Bank's name
was changed to Bank of Louisville and Trust Company on March 26,
1980.  On March 25, 1983, when the Bank became a wholly-owned
subsidiary of the Company, the name was changed to Mid-America
Bank of Louisville and Trust Company.  On March 17, 1998, the
name of the Bank was changed to Bank of Louisville.

The Bank is engaged in a wide range of commercial, trust, and
personal banking activities including the usual acceptance of
deposits for checking, savings and time deposit accounts; making
of real estate, construction, commercial, home improvement and
consumer loans; participating in small business loan and student
loan programs; issuance of letters of credit; offering retail
investment products; rental of safe deposit boxes; providing
financial counseling for institutions and individuals; serving as
executor of estates and as trustee under trusts and under various
pension and employee benefit plans; and serving as escrow agent
on bond issues.  In 2000, the Bank started an Internet banking
site to improve its distribution channel.

The Company also operates a number of other subsidiaries,
including Bank of Louisville, FSB, a federal savings bank
("Savings Bank"), which was organized and chartered during 1993.
The Savings Bank is located in LaGrange, Kentucky, in Oldham
County, and competes on the local level with other commercial
banks and financial institutions in Oldham County, Kentucky for
all types of deposits and loans.  Another subsidiary, Mid-America
Gift Certificate Company, is engaged in the issuance and sale of
gift certificates throughout the United States.

Competition

Competition for banking and related financial services is active
in Jefferson County, Kentucky, and other geographic areas served
by the Company's subsidiaries.  The Company's subsidiaries
compete with other financial institutions including savings and
loan associations, finance companies, mortgage banking companies,
credit unions, insurance companies, brokerage firms, mutual
funds, and other commercial banks.  In addition, large regional
banks continue to increase competition in the Company's trade
territories through the acquisition of local financial
institutions, the establishment of loan production offices and
the solicitation of customers for credit cards and related
services.  At present, both price and product range are
critically important in maintaining and expanding financial
relationships.

Employees

As of December 31, 2000, the Company and subsidiaries employed
572 persons on a full-time basis and 64 on a part-time basis.

Supervision And Regulation

The Company and its subsidiaries are subject to an extensive
system of banking laws and regulations that are intended
primarily for the protection of the customers and depositors of
the Companys subsidiaries rather than shareholders of the
Company.  These laws and regulations govern such areas as
permissible activities, reserves, loans and investments, and
rates of interest and fees that can be charged on loans.  The
Company and its subsidiaries also are subject to general U.S.
federal laws and regulations and to the laws and regulations of
the states in which they conduct their business.  This section
briefly describes selected laws and regulations applicable to the
Company and its subsidiaries.  The descriptions of laws and
regulations are summaries only and are qualified in their
entirety by reference to the statutes and regulations.  Changes
in applicable laws or regulations may have a material effect on
the business of the Company.

The Company is a registered bank holding company under the BHC
Act, and is subject to supervision, regulation and examination by
the Federal Reserve Board.  As a registered bank holding company,
the Company is required to file with the Federal Reserve Board
annual reports and other information regarding its business
operations and the business operations of its subsidiaries.  It
is also subject to examination by the Federal Reserve Board and
is required to obtain Federal Reserve Board approval before
merging with another bank holding company or acquiring, directly
or indirectly, ownership or control of any voting shares of any
bank, if, after such acquisition, it would own or control,
directly or indirectly, five percent or more of the voting stock
of such bank unless it already owns a majority of the voting
stock of such bank.

The Bank is subject to regulation and supervision, of which
regular bank examinations are a part, by the Kentucky Department
of Financial Institutions, Division of Banking.  The Federal
Deposit Insurance Corporation ("FDIC") currently insures the
deposits of the Bank to a maximum of $100,000 per depositor.  For
this protection, the Bank pays a semi-annual statutory assessment
and is subject to the rules and regulations of the FDIC
pertaining to deposit insurance.

The Savings Bank is subject to regulation and supervision by the
Office of Thrift Supervision (OTS), of which regular examinations
are a part.  The FDIC currently insures the deposits of the
Savings Bank to a maximum of $100,000 per depositor.

Federal law imposes certain restrictions on transactions between
the Company and its nonbank subsidiaries, on the one hand, and
the Bank and the Savings Bank, on the other.  With certain
exceptions, federal law also imposes limitations on, and requires
collateral for, extensions of credit by the Bank and the Savings
Bank to their non-bank affiliates, including the Company.  In
November 1999, the Gramm-Leach-Bliley Act (Gramm Act),
broadened permissible bank holding companies activities and
affiliations under the BHC Act.  With limited exceptions, bank
holding companies had been prohibited from (i) acquiring direct
or indirect ownership or control of any voting shares of any
company which is not a bank or (ii) engaging in any activity
other than managing or controlling banks.

The Gramm Act expressly permits affiliations among bank holding
companies, depository institutions, securities firms and
insurance companies within a financial holding company
structure in specific circumstances, and establishes functional
regulation for examination, supervision and licensing of
activities by state and federal financial service regulators.
The Federal Reserve Board may authorize activities that it
determines are complementary to financial activities and do not
pose a risk to the safety and soundness of depository
institutions.  The Gramm Act identifies the following activities
as financial in nature: (a) lending; (b) insurance activities,
including underwriting, agency and brokerage; (c) providing
financial investment advisory services; (d) underwriting in, and
acting as a broker or dealer in, securities; (e) merchant
banking; and (f) insurance company portfolio investment.

The Gramm Act contains extensive customer privacy protection
provisions.  Under these provisions, a financial institution must
provide to its customers, at the inception of the customer
relationship and annually thereafter, the institutions policies
and procedures regarding the handling of customers nonpublic
personal financial information.  The Gramm Act also provides
that, except for certain limited exceptions, an institution may
not provide such personal information to unaffiliated third
parties unless the institution discloses to the customer that
such information may be so provided and the customer is given the
opportunity to opt out of such disclosure.  An institution may
not disclose to a non-affiliated third party, other than to a
consumer reporting agency, customer account numbers or other
similar account identifiers for marketing purposes.

Enacted in August 1989, the Financial Institutions Reform,
Recovery and Enforcement Act of 1989 ("FIRREA") contains a
"cross-guarantee" provision under which an insured depository
institution controlled by a holding company can be assessed for
losses incurred by the FDIC in connection with assistance
provided to, or the failure of, any other insured depository
institution controlled by the same holding company.  Under
Federal Reserve Board policy, the Company is expected to act as a
source of financial strength to the Bank and to commit resources
to support the Bank in circumstances when it might not do so,
absent such policy.

The Federal Deposit Insurance Corporation Improvement Act of 1991
(the "FDIC Improvement Act") dealt with the recapitalization of
the Bank Insurance Fund, deposit insurance reform, including
requiring the FDIC to establish a risk-based premium assessment
system, and a number of other regulatory and supervisory matters.
Among other things, federal banking regulators are required to
take prompt corrective action in respect of depository
institutions that do not meet minimum capital requirements.  The
FDIC Improvement Act identifies the following capital tiers for
financial institutions: well capitalized, adequately capitalized,
undercapitalized, significantly undercapitalized and critically
undercapitalized.  The FDIC Improvement Act imposes progressively
more restrictive constraints on operations, management and
capital distributions, depending on the capital category in which
an institution is classified.  At December 31, 2000, the Bank and
the Savings Bank were "well capitalized" under the applicable
regulatory guidelines. A bank's capital category however, is
determined solely for the purpose of applying the prompt
corrective action rules and may not constitute an accurate
representation of the bank's overall financial condition or
prospects.

Now fully phased in, the Riegle-Neal Interstate Banking and
Branching Efficiency Act of 1994 (the "Act") removed state law
barriers to interstate bank acquisitions and permits the
consolidation of interstate banking operations.  Under the Act,
adequately capitalized and managed bank holding companies may
acquire banks in any state, subject to Community Reinvestment Act
compliance, compliance with federal and state antitrust laws and
deposit concentration limits, and subject to any state laws
restricting the acquisition of a bank that has not been in
existence for a minimum period of up to five years.  The Act also
permits any bank that is controlled by a bank holding company to
act as agent for an affiliated financial institution in deposit
and loan transactions, regardless of whether the institutions are
located in the same or different states.  The Act's interstate
branching provisions became operative on June 1, 1997, subject to
the right of any state to adopt legislation before that date to
accelerate interstate branching or prohibit it completely.  The
Act's interstate branching provisions permit banks to merge
across state lines and, if state laws permit de novo branching,
to establish a new branch as its initial entry into a state.
Kentucky banks are permitted to merge with out-of-state banks to
create interstate branches inside or outside Kentucky.  Kentucky
banks are also permitted to acquire a branch in another state if
permitted by law of the other state.  Kentucky does not permit de
novo branching by out-of-state banks into Kentucky, and it does
not permit an out-of-state bank to acquire a bank in Kentucky
that has been in existence less than five years.  The Savings
Bank is generally permitted to open a de novo branch in any
state.

The following tables set forth selected statistical information
with respect to the Company and should be read in conjunction
with the Company's consolidated financial statements.

DISTRIBUTION OF ASSETS, LIABILITIES AND SHAREHOLDERS' EQUITY;
INTEREST RATES AND INTEREST DIFFERENTIAL

The schedule captioned "Average Balances and Yields/Rates Tax
Equivalent Basis" included on page 20 of the Company's annual
report to shareholders for the year ended December 31, 2000,
which is incorporated herein by reference, shows, for each major
category of interest-earning asset and interest-bearing
liability, the average amount outstanding, the interest earned or
expensed on such amount and the average rate earned or expensed
for each of the years in the three-year period ended December 31,
2000.  The schedule also shows the average rate earned on all
interest-earning assets and the average rate expensed on all
interest-bearing liabilities, the net interest spread and the net
interest margin (net interest income divided by total average
earning assets) for each of the years in the three-year period
ended December 31, 2000. Nonaccrual loans outstanding were
included in calculating the rate earned on loans. Total interest
income includes the effects of taxable equivalent adjustments
using a tax rate of 35%.

The changes in interest income and interest expense resulting
from changes in volume and changes in rates for the years ended
December 31, 2000 and 1999 are shown in the schedule captioned
Interest Income and Interest Expense Volume and Rate Changes for
the Years 2000 and 1999 Tax Equivalent Basis" included on page 21
of the Company's annual report to shareholders for the year ended
December 31, 2000, which is incorporated herein by reference.

<PAGE>
<TABLE>
<CAPTION>
SECURITIES PORTFOLIO BOOK VALUE
                                                           December 31
(In Thousands)                                  -------------------------------------
                                                    2000          1999          1998
Securities Available for Sale                   ----------    ----------    ---------
<S>                                            <C>           <C>           <C>
U.S. Treasury and U.S. government agencies      $337,114      $317,106      $160,415
Collateralized mortgage obligations              185,449       182,730       146,970
States and political subdivisions                 65,359        52,918        54,738
Corporate obligations                             20,392        13,112         4,652
Federal Reserve and Federal Home Loan Bank st     21,998        20,657        18,992
                                                ----------    ----------    ---------
                                                $630,312      $586,523      $385,767
                                                ==========    ==========    =========
<CAPTION>
                                                           December 31
                                                -------------------------------------
                                                    2000          1999          1998
Securities Held to Maturity                     ----------    ----------    ---------
<S>                                             <C>           <C>           <C>
U.S. Treasury and U.S. government agencies        $2,525        $4,018       $83,998
                                                ----------    ----------    ---------
                                                  $2,525        $4,018       $83,998
                                                ==========    ==========    =========
</TABLE>
<PAGE>

SECURITIES
MATURITY DISTRIBUTION AND WEIGHTED AVERAGE YIELDS
DECEMBER 31, 2000
<TABLE>
<CAPTION>
(Dollars In Thousands)                     Within            After One But       After Five But           After
                                          One Year         Within Five Years    Within Ten Years        Ten Years
                                      ------------------  ------------------   -------------------  ------------------
Securities Available for Sale          Amount     Yield    Amount     Yield     Amount      Yield    Amount     Yield
                                      --------  --------  --------  --------   --------   --------  --------  --------
<S>                                   <C>       <C>       <C>       <C>        <C>        <C>       <C>       <C>
U.S. Treasury and U.S.
  government agencies                 $285,710      6.69%  $50,423       6.93%     --         --        --        --
Collateralized mortgage
  obligations                           41,190      6.62%  130,432       6.93%   $12,504      6.96%     --        --
States and political
  subdivisions                             296      6.09%    1,103       8.45%    10,697      8.21%  $50,567      8.32%
Corporate obligations                   16,295      6.86%    4,015       7.40%     --         --        --        --
Federal Reserve and Federal
  Home Loan Bank stock                    --        --        --        --         --         --      21,998      7.25%
                                      --------            --------             --------             --------
                                      $343,491      6.69% $185,973       6.95%   $23,201      7.54%  $72,565      8.00%
                                      ========            ========             ========             ========
<CAPTION>
                                           Within            After One But       After Five But           After
                                          One Year         Within Five Years    Within Ten Years        Ten Years
                                      ------------------  ------------------   -------------------  ------------------
Securities Held to Maturity            Amount     Yield    Amount     Yield     Amount      Yield    Amount     Yield
                                      --------  --------  --------  --------   --------   --------  --------  --------
<S>                                   <C>       <C>       <C>       <C>        <C>        <C>       <C>       <C>
U.S. Treasury and U.S.
  government agencies                     --        --      $2,525       6.31%     --         --        --        --
                                      ========            ========             ========             ========


</TABLE>


The calculation of the weighted average yield is based on the average tax
equivalent yield, weighted by the respective costs of the securities.
Maturity categories and average yields of collateralized mortgage
obligations are based on expected cash flows.

The weighted average yields on obligations of states and political subdivisions
are computed on a tax equivalent basis using a marginal federal tax rate
of 35% adjusted for the impact of disallowed interest expense.

LOAN PORTFOLIO
(In Thousands)
<TABLE>
<CAPTION>
                                                                  December 31
                                            ----------------------------------------------------
                                               2000       1999       1998      1997      1996
                                            ---------- ----------  --------  --------  --------
<S>                                         <C>        <C>        <C>        <C>       <C>
Commercial and financial                      $480,586   $505,963   $457,682  $427,826  $386,647
Real estate - construction and development     120,748     75,117     77,349    65,513    55,738
Real estate - residential mortgages            317,370    321,568    336,365   329,086   294,746
Consumer                                        60,994     57,972     62,682    64,491    67,051
Indirect automobile                             78,571    103,329     70,943     4,159         0
                                            ---------- ---------- ----------  --------  --------
                                            $1,058,269 $1,063,949 $1,005,021  $891,075  $804,182
                                            ========== ========== ==========  ========  ========
</TABLE>
The loan portfolio includes domestic loans only as the Company has no
foreign loans.  The Company has no other category of loans whose
concentration exceeds 10% of total loans.
<PAGE>

<TABLE>
<CAPTION>
SELECTED LOAN MATURITIES AND
SENSITIVITY TO INTEREST RATES
DECEMBER 31, 2000
(In Thousands)

                                                              Loan Maturities
                                           ---------------------------------------------------
                                                         After One
                                              Within     But Within     After
                                             One Year    Five Years   Five Years     Total
                                           ---------------------------------------------------
<S>                                          <C>          <C>          <C>          <C>

Commercial and financial                      $128,614     $147,643     $204,329     $480,586
Real estate - construction
  and development                               32,970       75,740       12,038      120,748
Real estate - residential mortgages            148,587       73,648       95,135      317,370
Consumer                                        40,489       18,944        1,561       60,994
Indirect  automobile                            23,736       54,786           49       78,571
                                              --------     --------     --------   ----------
                                              $374,396     $370,761     $313,112   $1,058,269
                                              ========     ========     ========   ==========

Predetermined rates                           $159,347     $223,257     $269,055     $651,659
Floating rates                                 215,049      147,504       44,057      406,610
                                              --------     --------     --------   ----------
                                              $374,396     $370,761     $313,112   $1,058,269
                                              ========     ========     ========   ==========
</TABLE>

For amortizing loans, scheduled repayments are reported in the
maturity category in which the payment is due.  Demand loans and
overdrafts are reported in the within one year category.

NONPERFORMING LOANS

Information with respect to the Company's nonperforming loans is
included in the section captioned "Nonperforming Assets" and
footnote F to the consolidated financial statements included on pages
13 and 35, respectively, of the Company's annual report to
shareholders for the year ended December 31, 2000, which is
incorporated herein by reference.
<PAGE>
<TABLE>
<CAPTION>

SUMMARY OF LOAN LOSS EXPERIENCE
(Dollars In Thousands)

                                           2000          1999         1998       1997       1996
                                        ----------    ---------- ---------- ---------- ---------
<S>                                     <C>          <C>         <C>        <C>        <C>
Balance, beginning of year                  $9,854      $9,010     $9,209     $9,167     $9,318
Charge-offs:
  Commercial and financial                  17,183 (1)     968        646        296        661
  Real estate - construction
    and development                            --          --         --         --         --
  Real estate - residential mortgages           87         149        289         98        115
  Consumer                                     171         257        206        227        249
  Indirect automobile                        1,842       1,656        214        --         --
                                        ----------    ---------- ---------- ---------- ---------
    Total charge-offs                       19,283       3,030      1,355        621      1,025
                                        ----------    ---------- ---------- ---------- ---------
Recoveries:
  Commercial and financial                      80         112         51         53        231
  Real estate - construction
    and development                            --          --         --         --         --
  Real estate - residential mortgages           15          32         33        225        120
  Consumer                                      89          82         97         85        109
  Indirect automobile                          184         197          3        --         --
                                        ----------    ---------- ---------- ---------- ---------
    Total recoveries                           368         423        184        363        460
                                        ----------    ---------- ---------- ---------- ---------
Net charge-offs                             18,915       2,607      1,171        258        565
                                        ----------    ---------- ---------- ---------- ---------
Provision for loan losses                   19,040       3,451        972        300        414
                                        ----------    ---------- ---------- ---------- ---------
Balance, end of year                        $9,979      $9,854     $9,010     $9,209     $9,167
                                        ==========    ========== ========== ========== =========
Average loans, net
   of unearned income                   $1,056,434  $1,019,338   $925,522   $817,262   $767,755
                                        ==========    ========== ========== ========== =========
Net charge-offs
  to average loans, net of
   unearned income                            1.79%       0.26%      0.13%      0.03%      0.07%
                                        ==========    ========== ========== ========== =========
</TABLE>

(1) See Item 3. Legal Proceedings.

The allowance for loan losses is maintained at a level adequate
to absorb estimated probable credit losses.  Management
determines the adequacy of the allowance based upon reviews of
individual credits, evaluation of the risk characteristics of the
loan portfolio, including the impact of current economic
conditions on the borrowers' ability to repay, past collection
and loss experience and such other factors, which, in
management's judgment, deserve current recognition.  The
allowance for loan losses is increased by charges to operating
earnings and reduced by charge-offs, net of recoveries.  See
Provision for Loan Losses and Allowance for Loan Losses
included on pages 9 and 10 of the Company's annual report to
shareholders for the year ended  December 31, 2000, incorporated
herein by reference, for a discussion of factors affecting loan
loss experience during 2000

<PAGE>
<TABLE>
<CAPTION>
ALLOCATION OF ALLOWANCE FOR LOAN LOSSES
(Dollars In Thousands)

                               2000                  1999                  1998                  1997                  1996
                       --------------------- --------------------- --------------------- --------------------- ---------------------
                                    % Of                  % Of                  % Of                  % Of                  % Of
                       Allocation  Loans In  Allocation  Loans In  Allocation  Loans In  Allocation  Loans In  Allocation  Loans In
                           Of        Each        Of        Each        Of        Each        Of        Each        Of        Each
                        Allowance  Category   Allowance  Category   Allowance  Category   Allowance  Category   Allowance  Category
                        For Loan   To Total   For Loan   To Total   For Loan   To Total   For Loan   To Total   For Loan   To Total
                         Losses     Loans      Losses     Loans      Losses     Loans      Losses     Loans      Losses     Loans
                       ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
<S>                     <C>        <C>        <C>        <C>        <C>        <C>        <C>        <C>        <C>        <C>
Commercial and
 financial                $4,962      45.42%    $4,973      47.56%    $5,020      45.53%    $5,926      48.01%    $6,068      48.08%
Real estate -
 construction
 and development             446      11.41%       486       7.06%       588       7.70%     1,343       7.35%     1,576       6.93%
Real estate -
 residential mortgages       298      29.99%       328      30.22%       715      33.47%       654      36.93%       498      36.65%
Consumer                   1,395       5.76%       966       5.45%     1,123       6.24%     1,286       7.24%     1,025       8.34%
Indirect automobile        2,878       7.42%     3,101       9.71%     1,564       7.06%         0       0.47%         0       0.00%
                       ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                          $9,979     100.00%    $9,854     100.00%    $9,010     100.00%    $9,209     100.00%    $9,167     100.00%
                       ========== ========== ========== ========== ========== ========== ========== ========== ========== ==========
<PAGE>


</TABLE>
<TABLE>
<CAPTION>
MATURITY SCHEDULE OF TIME DEPOSITS OF $100,000 AND OVER
DECEMBER 31, 2000
(In Thousands)
                                                  Certificates
                                                  Of Deposit    Other       Total
                                                  ----------  ----------  ----------
<S>                                                <C>         <C>         <C>
Three months or less                                $49,212     $15,532     $64,744
Over three through six months                        40,865         --       40,865
Over six through twelve months                       12,088         --       12,088
Over twelve months                                   19,704         --       19,704
                                                  ----------  ----------  ----------
                                                   $121,869     $15,532    $137,401
                                                  ==========  ==========  ==========
</TABLE>

RETURN ON EQUITY AND ASSETS

Selected ratios for the years 2000, 1999 and 1998 are included on the inside
front cover of the Company's annual report to shareholders for the year ended
December 31, 2000 and are incorporated herein by reference.




FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER
AGREEMENTS TO REPURCHASE
(Dollars In Thousands)

Federal funds purchased and securities sold under agreements
to repurchase generally represent overnight borrowing
transactions.  The detail of these short-term borrowings for
the years 2000, 1999 and 1998 follows:

<TABLE>
<CAPTION>
                                                      2000        1999        1998
                                                  ----------  ----------  ----------
<S>                                                <C>         <C>         <C>
 Federal funds purchased:
  Balance at year end                               $47,935     $42,390     $12,090
  Average during the year                            41,227      36,515       8,534
  Maximum amount outstanding at any month end        52,028      43,845      27,735
  Weighted average rate during the year                6.37%       5.11%       5.20%
  Weighted average rate on December 31                 6.66%       5.01%       5.36%


                                                      2000        1999        1998
                                                  ----------  ----------  ----------
 Securities sold under agreements to repurchase:
  Balance at year end                              $274,040    $319,368    $276,454
  Average during the year                           249,303     267,805     246,585
  Maximum amount outstanding at any month end       289,504     325,404     330,308
  Weighted average rate during the year                5.79%       4.60%       4.99%
  Weighted average rate on December 31                 6.12%       4.50%       4.48%

</TABLE>