UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

### Washington, DC 20549

                                                                                                                                                                                                

**Form 10-Q**

[X]    QUARTERLYREPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES

          EXCHANGEACT OF 1934

          Forthe quarterly period ended March 31, 2005

OR

[  ]     TRANSITIONREPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES

          EXCHANGEACT OF 1934

          Forthe transition period from                         to                                       

| Commission File Number 000-21267                                                |
|---------------------------------------------------------------------------------|
|                                                                                 |
| SUMMIT BANK CORPORATION  (Exact name of Registrant as specified in its charter) |
|                                                                                 |
| GEORGIA                                                                         | 58-1722476 |
| (State or other jurisdiction of                                                 | (IRS Employer |
| incorporation or organization)                                                  | Identification No.) |
|                                                                                 |
| 4360 Chamblee-Dunwoody Road                                                     |
| Atlanta, Georgia 30341                                                          |
| (Address of principal executive offices, including  Zip Code)                   |
|                                                                                 |
| (770) 454-0400                                                                  |
| (Registrant's telephone number, including area code)                            |

                   Indicateby check mark whether the Registrant (1) has filed all reports required to befiled by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the Registrant wasrequired to file such reports), and (2) has been subject to such filingrequirements for the past 90 days.

| Yes    X    | No           |
|-------------------------------------------|----------------------------------------------------------------|

Indicate by check markwhether the registrant is an accelerated filer (as defined in Rule 12b-2 of theExchange Act).

| Yes _____ | No    X__ |
|-----------|-------------------------------|

Indicatethe number of shares outstanding of each of the issuer's classes of capitalstock, as of the latest practicable date.

| Class                        | Outstanding at May 1, 2005 |
|------------------------------|----------------------------|
| Common Stock. $.0l par value | 5,694,604                  |

The Exhibit Index Appears on Page 20

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Page 1 of 23

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**PART I. FINANCIAL INFORMATION**

** **

**ITEM 1.  FINANCIAL STATEMENTSSUMMIT BANK CORPORATION AND SUBSIDIARIESCONDENSED CONSOLIDATED BALANCE SHEETS**(Unaudited)

| (In thousands)                                            |                            | March 31, 2005                             |                     | December 31,   2004 |
|-----------------------------------------------------------|----------------------------|--------------------------------------------|---------------------|--------------------------|
|                                                           |
| ASSETS:                                                   |                            |                                            |                     |
| Cash and due from banks                                   | $                          | 16,583                           | $                   | 20,810         |
| Interest-bearing deposits in other banks                  |                            | 527                              |                     | 249            |
| Federal funds sold                                        |                            | 1,300                            |                     | 16,000              |
| Investment securities available for sale, at fair value   |                            | 125,296                          |                     | 132,856        |
| Investment securities held to maturity, at amortized cost |                            | 15,959                           |                     | 15,938         |
| Other investments                                         |                            | 3,239                            |                     | 3,097          |
| Loans, net of unearned income                             |                            | 335,040                          |                     | 339,205        |
| Less:  allowance for loan losses                |                            | (4,373)                                    |                     | (4,549)                  |
|                                                           | Net loans                  | 330,667                          |                     | 334,656        |
| Premises and equipment, net                               |                            | 4,607                            |                     | 4,312          |
| Customers' acceptance liability                           |                            | 3,300                            |                     | 3,223          |
| Goodwill, net                                             |                            | 1,530                            |                     | 1,530          |
| Bank owned life insurance                                 |                            | 7,592                            |                     | 7,478          |
| Other real estate owned                                   |                            | 1,544                                 |                     | 1,544               |
| Other assets                                              |                            | 10,126                           |                     | 6,015          |
|                                                           | Total assets               | $                                          | 522,270   | $                        | 547,708   |
|                                                           |                            |                                            |                     |                          |
| LIABILITIES AND STOCKHOLDERS' EQUITY                      |                            |                                            |                     |                          |
| LIABILITIES:                                              |                            |                                            |                     |                          |
| Deposits:                                                 |                            |                                            |                     |                          |
|                                                           | Noninterest-bearing demand | $                                          | 112,135   | $                        | 104,055   |
|                                                           | Interest-bearing:          |                                            |                     |                          |  |
|                                                           |                            | Demand                                     |                     | 86,174         |  | 97,836   |
|                                                           |                            | Savings                                    |                     | 11,936         |  | 11,748   |
|                                                           |                            | Time, $100,000 and over                    |                     | 136,136        |  | 130,686   |
|                                                           |                            | Other time                                 |                     | 88,629         |  | 90,128   |
|                                                           |                            | Total deposits                        |                     | 435,010        |  | 434,453   |
|                                                           |                            |                                            |                     |                          |  |  |
| Federal Home Loan Bank advances                           |                            | 25,000                           |                     | 25,000         |
| Long-term debentures                                      |                            | 12,000                                |                     | 12,000              |
| Other borrowed funds                                      |                            | 7,143                            |                     | 35,394         |
| Acceptances outstanding                                   |                            | 3,300                            |                     | 3,223          |
| Other liabilities                                         |                            | 5,710                            |                     | 3,009          |
|                                                           |                            | Total liabilities                          |                     | 488,163        |  | 513,079   |
|                                                           |                            |                                            |                     |                          |
| STOCKHOLDERS' EQUITY:                                     |                            |                                            |                     |                          |
| Common stock                                              |                            | 57                               |                     | 57             |
| Additional paid-in capital                                |                            | 17,503                           |                     | 17,445         |
| Retained earnings                                         |                            | 17,972                           |                     | 17,235         |
| Accumulated other comprehensive loss                      |                            | (1,425)                                    |                     | (108)               |
|                                                           |                            | Total stockholders' equity                 |                     | 34,107         |  | 34,629   |
|                                                           |                            |                                            |                     |                          |
|                                                           |                            | Total liabilities and stockholders' equity | $                   | 522,270        | $ | 547,708   |
|                                                           |                            |                                            |                     |                          |  |  |  |  |  |

| *See Accompanying Notes to Condensed Consolidated  Financial Statements.* |
|---------------------------------------------------------------------------|

Page 2 of 23

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**SUMMIT BANK CORPORATION AND SUBSIDIARIESCONDENSED CONSOLIDATED INCOME STATEMENTS**(Unaudited)

|                                                            | Three months  ended March 31,                         |
|------------------------------------------------------------|-------------------------------------------------------|
| (Dollars in thousands, except share and per share amounts) | 2005                                                  |  | 2004 |
|                                                            |
| Interest income                                            |                                                       |  |  |  |
|                                                            | Loans, including fees                                 | $ | 5,718  | $ | 5,157  |
|                                                            | Interest-bearing deposits in other banks              |  | 3  |  | 1  |
|                                                            | Federal funds sold                                    |  | 67  |  | 6  |
|                                                            | Investment securities                                 |  | 734  |  | 689  |
|                                                            | Mortgage-backed securities                            |  | 740  |  | 667  |
|                                                            |                                                       | Total interest income |  | 7,262  |  | 6,520  |
|                                                            |                                                       |  |  |  |
| Interest expense                                           |                                                       |  |  |  |
|                                                            | Time deposits, $100,000 and over                      |  | 1,029  |  | 869  |
|                                                            | Other deposits                                        |  | 819  |  | 690  |
|                                                            | Federal Home Loan Bank advances                       |  | 199  |  | 132  |
|                                                            | Short-term borrowings                                 |  | 81  |  | 104  |
|                                                            | Long-term debentures                                  |  | 172  |  | 132  |
|                                                            |                                                       | Total interest expense |  | 2,300  |  | 1,927  |
|                                                            |                                                       |  |  |  |
|                                                            |                                                       | Net interest income |  | 4,962  |  | 4,593  |
| Provision for loan losses                                  |                                                       | 264  |  | 464  |
|                                                            |                                                       | Net interest income after provision for loan losses | 4,698  |  | 4,129  |
|                                                            |                                                       |  |  |  |
| Noninterest income                                         |                                                       |  |  |  |
|                                                            | Fees for international banking services               |  | 406  |  | 286  |
|                                                            | SBA loan servicing fees                               |  | 23  |  | 20  |
|                                                            | Service charge income                                 |  | 139  |  | 178  |
|                                                            | Non-sufficient funds charges                          |  | 204  |  | 232  |
|                                                            | Increase in CSV of bank owned life insurance          |  | 114  |  | 108  |
|                                                            | Net gains on sales of investment securities available |  | 3  |  | 128  |
|                                                            | for sale                                              |
|                                                            | Other                                                 |  | 118  |  | 108  |
|                                                            |                                                       | Total noninterest income |  | 1,007  |  | 1,060  |
|                                                            |                                                       |  |  |  |
| Noninterest expense                                        |                                                       |  |  |
|                                                            | Salaries and employee benefits                        |  | 2,000  |  | 1,674  |
|                                                            | Equipment                                             |  | 298  |  | 260  |
|                                                            | Net occupancy                                         |  | 397  |  | 318  |
|                                                            | Other operating expenses                              |  | 1,178  |  | 966  |
|                                                            |                                                       | Total noninterest expense |  | 3,873  |  | 3,218  |
|                                                            |                                                       |  |  |  |
|                                                            | Income before income taxes                            |  | 1,832  |  | 1,971  |
| Income tax expense                                         |                                                       | 526  |  | 650  |
|                                                            | Net income                                            | $ | 1,306  | $ | 1,321  |
| Basic net income per common share                          | $                                                     | .23  | $ | .23  |
| Diluted net income per common share and                    |                                                       |  |  |  |
|                                                            | common share equivalents                              | $ | .23  | $ | .23  |
| Weighted-average shares outstanding - basic                |                                                       | 5,693,054  |  | 5,671,593  |
| Weighted-average shares outstanding - diluted              |                                                       | 5,699,227  |  | 5,671,914  |
| Dividends declared per common share                        | $                                                     | .10  | $ | .10  |
|                                                            |                                                       |  |  |  |  |  |  |  |

| *See Accompanying Notes to Condensed Consolidated  Financial Statements.* |
|---------------------------------------------------------------------------|

Page 3 of 23

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**SUMMIT BANK CORPORATION AND SUBSIDIARIESCONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS**

| (Unaudited)                                                           | Three months   ended March 31,                                      |
|-----------------------------------------------------------------------|---------------------------------------------------------------------|
| (In thousands)                                                        |                                                                     | 2005 |  | 2004 |
| Cash flows from operating activities:                                 |                                                                     |  |  |  |
|                                                                       |                                                                     |  |  |  |
| Net income                                                            | $                                                                   | 1,306  | $ | 1,321  |
| Adjustments to reconcile net income to net cash                       |                                                                     |  |  |  |
|   provided by operating activities:                         |                                                                     |  |  |  |
|                                                                       | Depreciation and amortization of premises and equipment             |  | 235  |  | 203  |
|                                                                       | Net amortization of premiums/discounts on investment  securities    |  | 149  |  | 88  |
|                                                                       | Amortization of intangibles                                         |  | 20  |  | 36  |
|                                                                       | Provision for loan losses                                           |  | 264  |  | 464  |
|                                                                       | Net gains on sales of investment securities available for  sale     |  | (3) |  | (128) |
|                                                                       | Amortization of deferred gain on termination of interest  rate swap |  | (4) |  | --  |
|                                                                       | Income from bank owned life insurance                               |  | (114) |  | (108) |
|                                                                       | Changes in other assets and liabilities:                            |  |  |  |  |
|                                                                       |                                                                     | Increase in other assets |  | (2,341) |  | (377) |
|                                                                       |                                                                     | Increase in other liabilities |  | 2,191  |  | 798  |
|                                                                       | Net cash provided by operating activities                           |  | 1,703  |  | 2,297  |
| Cash flows from investing activities:                                 |                                                                     |  |  |  |
|                                                                       |                                                                     |  |  |  |
| Proceeds from maturities of investment securities  available for sale |                                                                     | --   |  | 8,272  |
| Proceeds from sales of investment securities available for  sale      |                                                                     | 9,929  |  | 10,188  |
| Principal collections on investment securities available  for sale    |                                                                     | 4,199  |  | 2,647  |
| Principal collections on investment securities held to  maturity      |                                                                     | --  |  | 10  |
| Purchases of investment securities available for sale                 |                                                                     | (8,506) |  | (24,549) |
| Loans made to customers, net of principal collected on  loans         |                                                                     | 3,725 |  | (8,414) |
| Purchases of low income housing partnership interests                 |                                                                     | (964) |  | --  |
| Purchases of premises and equipment                                   |                                                                     | (530) |  | (11) |
|                                                                       | Net cash provided by (used in) investing activities                 |  | 7,853 |  | (11,857) |
| Cash flows from financing activities:                                 |                                                                     |  |  |  |
|                                                                       |                                                                     |  |  |  |
| Net decrease in demand and savings deposits                           |                                                                     | (3,394)  |  | (258)  |
| Net increase in time deposits                                         |                                                                     | 3,951  |  | 15,383  |
| Issuance of common stock                                              |                                                                     | 58  |  | 168  |
| Dividends paid                                                        |                                                                     | (569) |  | (569) |
| Net decrease in other borrowed funds                                  |                                                                     | (28,251) |  | (5,711) |
|                                                                       | Net cash (used in ) provided by financing activities                |  | (28,205) |  | 9,013  |
| Net decrease  in cash and cash equivalents                       |                                                                     | (18,649) |  | (547)  |
| Cash and cash equivalents at beginning of period                      |                                                                     | 37,059  |  | 18,238  |
|                                                                       |                                                                     |  |  |  |
| Cash and cash equivalents at end of period                            | $                                                                   | 18,410  | $ | 17,691  |
| Supplemental disclosures of cash paid during the period:              |                                                                     |  |  |  |
|                                                                       | Interest                                                            | $ | 2,158   | $ | 1,829  |
|                                                                       | Income taxes                                                        | $ | 190  | $ | 18  |
| Supplemental disclosures of noncash investing activities:             |                                                                     |  |  |  |
|                                                                       | Transfer of loans to loans held for sale                            | $ | --   | $ | 14,300   |

| *See Accompanying Notes to Condensed Consolidated  Financial Statements.* |
|---------------------------------------------------------------------------|

Page 4 of 23

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**SUMMIT BANK CORPORATIONAND SUBSIDIARIESNOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS**(Unaudited)

**1.     BASISOF PRESENTATION**

SummitBank Corporation and subsidiaries (the "Company") prepared thecondensed consolidated financial statements included herein, without audit,pursuant to the rules and regulations of the Securities and ExchangeCommission.  Certain information and footnote disclosures normally included inconsolidated financial statements prepared in accordance with accountingprinciples generally accepted in the United States of America have beenomitted, although the Company believes that the disclosures are adequate tomake the information presented not misleading.  In the opinion of management,the information in the condensed consolidated financial statements reflects alladjustments necessary to present fairly the Company's financial position,results of operations and cash flows for such interim periods.  Managementbelieves that all interim period adjustments are of a normal recurring nature. These consolidated financial statements should be read in conjunction with theCompany's audited financial statements and the notes thereto included in theCompany's Annual Report on Form 10-K for the year ended December 31, 2004.

Thecondensed consolidated financial statements include the accounts of the Companyand its wholly owned subsidiaries, The Summit National Bank (the"Bank") and The Summit Merchant Banking Corporation (inactive).  All intercompany accounts and transactions have been eliminated in consolidation.

TheCompany primarily operates through one segment, providing a full range ofbanking services to individual and corporate customers through its subsidiarybank.

**2.     ACCOUNTING POLICIES**

The Company'saccounting policies are described in the notes to consolidated financialstatements contained in the Company's Annual Report on Form 10-K for the yearended December 31, 2004.

**3.     COMPREHENSIVE INCOME**

       Currently, other comprehensive income for theCompany consists of items recorded as a component of stockholders' equity underStatement of Financial Accounting Standards (SFAS) No. 115, *Accounting forCertain Investments in Debt and Equity Securities*and SFAS No. 133*,Accounting for Derivative Instruments and Hedging Activities*.  The totalcomprehensive loss for the first quarter of 2005 was $11,000, compared to totalcomprehensive income of $2,810,000 for the first quarter of 2004. 

**4.     STOCK-BASEDCOMPENSATION**

In December 2002, the Financial Accounting StandardsBoard (FASB) issued SFAS No. 148, *Accounting for Stock-Based Compensation --Transition and Disclosure an amendment of FASB Statement No. 123*. SFAS No.148 amends SFAS No. 123, *Accounting for Stock-Based Compensation*, toprovide alternative methods of transition for an entity that voluntarily changesto the fair value based method of accounting for stock-based employeecompensation. It also amends the disclosure provisions of SFAS No. 123 torequire prominent disclosure about the effects on reported net income of anentity's accounting policy decisions with respect to stock-based employeecompensation. Finally, SFAS No. 148 also amends Accounting Principles Board(APB) Opinion No. 28, *Interim Financial Reporting*, to require disclosureabout those effects in the interim financial information.  

|  |
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Page 5 of 23

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The following table illustrates the effect on net incomeand earnings per share if the Company had applied the fair value recognitionprovisions of SFAS No. 123, *Accounting for Stock-Based Compensation,*tostock-based employee compensation.

 

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | March 31, 2005     |  | March 31, 2004 |
| Net income, as reported                                                                                                                                    | $                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | 1,306,000     | $ | 1,321,000  |
| Deduct:  Total stock-based  employee compensation expense determined under fair value based method for  all stock options, net of related tax effects |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | 371,000       |  | 25,000  |
| Pro forma net income                                                                                                                                       | $                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | 935,000       | $ | 1,296,000  |
|                                                                                                                                                            |  
Earnings per share:

     Basic - as reported

$

0.23 

$

.23 

     Basic - pro forma

$

0.16 

$

.23 

     Diluted - as reported

$

0.23 

$

.23 

     Diluted - pro forma

$

0.16 

$

.23 

There were 90,000 and 6,000 stockoptions granted during the three months ended March 31, 2005 and 2004,respectively, which vested immediately upon grant.  

**5.     INVESTMENTSECURITIES**

**      **The following investmentsecurities available for sale have an unrealized loss as of March 31, 2005 forwhich an other than temporary impairment has not been recognized.

Estimated

Unrealized

(In thousands)

Fair Value

Loss

Obligations of U.S.

 government agencies: 

    With an unrealized loss  for

       more than 12 months

$ 

36,814 

$ 

1,049 

Mortgage-backed securities:

    With an unrealized loss

       for less than 12  months

33,420 

534 

    With an unrealized loss  for

       more than 12 months

22,403 

538 

$

92,637 

$

2,121 

AtMarch 31, 2005, there were seven mortgage-backed securities with an unrealizedloss for less than 12 months, as well as seven obligations of U.S. governmentagencies and six mortgage-backed securities with an unrealized loss for morethan 12 months. The total estimated fair value of the securities with anunrealized loss at March 31, 2005 represented 98% of the book value; therefore,the impairment is not considered severe. While the duration of the impairmentis dependent on the market and a fluctuating yield curve, the duration of 41%of the investment securities with  unrealized loss could be shortened by theissuing agency calling the securities.

Page 6 of 23

The following investmentsecurities held to maturity have an unrealized loss as of March 31, 2005 forwhich an other than temporary impairment has not been recognized.

Estimated

Unrealized

(In thousands)

fair value

loss

Tax-exempt municipal

 securities with an  unrealized

 loss for less than 12  months

$

1,162

$

14

Onesecurity held to maturity had an unrealized loss at March 31, 2005.  Theunrealized loss was considered immaterial to the financial statements, and theduration of the loss appears to be short-term in nature, although it is afunction of the general market environment and constantly changing yield curve.

**6.     RECENT ACCOUNTINGPRONOUNCEMENTS**

TheEmerging Issues Task Force on November 13, 2003 issued EITF Issue No. 03-1, *TheMeaning of Other-Than-Temporary Impairment and Its Application to CertainInvestments*.  This guidance was to be applied in other-than-temporaryimpairment evaluations performed in reporting periods beginning after June 15,2004.  Disclosures are effective in annual financial statements for fiscalyears ending after December 15, 2003, for investments accounted for under FASBStatements No. 115, *Accounting for Certain Investments in Debt and EquitySecurities*, and No. 124, *Accounting for Certain Investments Held byNot-for-Profit Organizations*.  The disclosure requirements for all otherinvestments are effective in annual financial statements for fiscal yearsending after June 15, 2004.  In September 2004, the FASB issued FASB StaffPosition, (FSP) EITF Issue 03-1-1 which delays the effective date for themeasurement and recognition guidance set forth in paragraphs 10 - 20 of EITF IssueNo. 03-1 until additional implementation guidance is issued by the FASB.  Giventhe nature of the Company's investments, the Company does not expect theadoption of EITF Issue No. 03-1 or its implementation guidance to have asignificant impact on its consolidated financial statements.

InDecember 2004, the FASB issued SFAS No. 123R, "*Share-Based Payment*." SFAS No. 123R establishes standards for the accounting for transactions inwhich an entity exchanges its equity instruments for goods or services.  Italso addresses transactions in which an entity incurs liabilities in exchangefor goods or services that are based on the fair value of the entity's equityinstruments or that may be settled by the issuance of those equity instruments. Under SFAS No. 123R, the Company must measure the cost of employee servicesreceived in exchange for an award of equity instruments based on the grant-datefair value of the award.  That cost will be recognized over the period duringwhich an employee is required to provide service in exchange for the award. SFAS No. 123R applies to all awards granted after the required effective dateand to awards modified, repurchased, or cancelled after that date. Compensation cost will be recognized on or after the required effective datefor the portion of outstanding awards for which the requisite service has notyet been rendered, based on the grant-date fair value of those awardscalculated under SFAS No. 123R for either recognition or pro formadisclosures.  

OnApril 14, 2005, the Securities and Exchange Commission (SEC) amended Rule4-01(a) of Regulation S-X that amended the compliance date for SFAS No. 123R. The SEC's new rule allows companies to implement SFAS No. 123R at the beginningof their next fiscal year, instead of the next reporting period that beginsafter June 15, 2005.  The Company has determined that it will not adopt SFASNo. 123R until January 1, 2006.

Page 7 of 23

OnMarch 29, 2005, the SEC issued Staff Accounting Bulletin No. 107 (SAB 107),"*Share-Based Payment*."  SAB 107 expresses the views of the SECstaff regarding the interaction between SFAS No. 123R and certain SEC rules andregulations, provides the staff's views regarding the valuation of share-basedpayments by public companies, and provides guidance regarding share-basedpayments with non-employees.  

Pleaserefer to Note 4 for the disclosure of the pro forma effect on net income andearnings per share if the Company had expensed the fair value of optionsgranted during the three months ended March 31, 2005 and 2004.

Page 8 of 23

**ITEM2.          MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION ANDRESULTS OF OPERATIONS**

This quarterly report contains forward-looking statements andinformation relating to our subsidiaries and us.  The words"believes," "expects," "may," "will,""should," "projects," "contemplates,""anticipates," "forecasts," "intends" or similarterminology identify forward-looking statements.  These statements reflectmanagement's beliefs and assumptions, and are based on information currentlyavailable to management.  Because these statements reflect the current views ofmanagement concerning future events, they involve risks, uncertainties andassumptions, including the risks that unanticipated changes in the interestrate environment could reduce our margins, that competition or general economicconditions could be worse than we expect, or that legislative or regulatorychanges could adversely affect our business.  Actual results may differsignificantly from the results discussed in the forward-looking statements.  Weundertake no obligation to update publicly any forward-looking statement forany reason, even if new information becomes available.

Critical Accounting Estimates

In reviewing andunderstanding financial information for the Company, you are encouraged to readand understand the significant accounting policies which are used in preparingthe consolidated financial statements of the Company. These policies aredescribed in Note 1 to the consolidated financial statements which werepresented in the Company's 2004 Annual Report on Form 10-K.  Of these policies,Management believes that the accounting for the allowance for loan losses isthe most critical. This is because the amount of the allowance isestablished based on a variety of subjective factors. The allowance isreplenished by means of a provision for loan losses that is charged against theCompany's earnings. As a result, earnings will vary based, in part, onsubjective judgments made by Management in this area.

Losses on loans result from a broad range of causesranging from borrower specific problems, to industry issues, to the impact ofthe economic environment.  The identification of these factors that lead todefault or non-performance under a borrower loan agreement and the estimationof loss in these situations are very subjective. In addition, a dramatic changein the performance of one or a small number of borrowers can have a significantimpact in the estimate of losses.  The depth and duration of any economic recessioncould impact the credit risk associated with the loan portfolio.  Anotherfactor that could affect credit risk is a consideration of concentrations ofcredit within specific industry sectors.  

Management has implemented aprocess that has been applied consistently to systematically consider the manyvariables that impact the estimation of the allowance for loan losses.  See"Allowance and Provision for Loan Losses."

Page 9 of 23

Performance Overview

The Company reported net income of $1,306,000 for the firstquarter of 2005, compared to $1,321,000 for the first quarter of 2004, a decreaseof 1%.  The primary reason for the slight decline was increases in noninterestexpenses related to additional branch locations and strengthenedinfrastructure.  As the prime rate has risen over the past year, net interestincome has increased 8% comparing the current quarter to first quarter 2004.  Additionally,the provision for loan losses decreased $200,000 for the comparable quartersdue to a slowdown in loan volume.  However, the improvements in net interestincome after loan loss provision did not completely offset the increases inoverhead in first quarter 2005 compared to first quarter last year.  The netearnings per share for the first quarter of 2005 were $.23, diluted, flat comparedto first quarter 2004.  The annualized return on average stockholders' equityfor the 2005 three-month period was 15.1% versus 15.9% for the 2004 three-monthperiod, and the return on average assets was .98% in the 2005 three-month periodcompared to 1.09% in the 2004 three-month period.  The book value per share was$5.99 at March 31, 2005 compared to $6.09 at December 31, 2004 and $6.18 atMarch 31, 2004.  In the first quarters of both 2005 and 2004, the Company paida cash dividend of $.10 per share.  

Total assets of the Company were $522 million at March 31, 2005, down5% from year-end 2004 as a result of $20 million of temporary deposits thatwere placed in the Bank at the end of December 2004, invested largely inshort-term federal funds sold.  These deposits allowed the Bank to de-leveragea portion of its balance sheet by eliminating most of its wholesale repurchaseagreement borrowings.  As of March 31, 2005, these temporary deposits remainedin accounts with the Bank.  Additionally, loan volume has declined this quarterdue to several large payoffs, reducing total loans at March 31, 2005 to $335million compared to $339 million at December 31, 2004. For the trailing twelvemonths, total loans have grown 3% as new originations have largely been offsetby pay-offs.  

The investment security portfolio has also declined since year-endprimarily as a result of principal paydowns on mortgage-backed securities.  Onesecurity in particular, with a remaining balance of $1.6 million, paid offearly, resulting in a $5,000 net gain from a prepayment penalty.  Totalinvestment securities at March 31, 2005 were $144 million compared to $152million at December 31, 2004.

Total deposits have grown $51 million, or 13%, during thepast twelve months and $557,000, during the past quarter to $435 million.  Noninterest-bearingdeposits remained strong compared to total deposits.  However, $13.5 million ofthe increase in noninterest-bearing accounts consisted of a transfer from amoney market account in preparation of being wired out on April 1, 2005.  Thisrepresented 70% of the aforementioned temporary funds from December 2004.  Excludingthese deposits, noninterest-bearing accounts still comprised 23% of totaldeposits at March 31, 2005.  During the first quarter of 2005, time depositsincreased $4 million.  Other borrowed funds declined as maturities were notreplaced, for a March 31, 2005 balance of $7 million compared to $35 million atDecember 31, 2004.  

The following table details selected components of theCompany's average balance sheet for the current period and the same period lastyear to illustrate the resulting change over the past year:

Quarter ended

(In thousands)

March 31,  

%

Change

2005

2004

Total investment securities

$

142,659 

$

124,272 

14.80 

%

Loans, net 

335,717 

324,607   

3.42   

Earning assets 

494,198 

451,711 

9.41 

Total assets

531,437 

483,589 

9.89 

Non-interest-bearing  deposits

102,873 

83,037 

23.89 

Interest-bearing deposits 

334,355 

289,541 

15.48 

Borrowed funds

42,883 

63,496 

-32.46 

Total funds

480,111 

436,074 

10.10 

Total equity

34,689 

33,310 

4.14 

The Bank opened its seventh full-service branch in March2005.  This branch is located in the fast-growing area of Duluth in GwinnettCounty in Georgia.  The surrounding shopping center caters primarily to theKorean market and fits nicely with Summit's largely ethnic-oriented marketshare.     

Page 10 of 23

The net interest rate margin at 4.02% through March 31,2005 was slightly lower than last year's margin of 4.07% for the same period,primarily because the lagging costs of funds has begun to catch up with theyield on earning assets which reprices quicker since Summit is asset-sensitive. The most significant increase in the cost of funds was related to the $12million in trust preferred securities which is tied to LIBOR.  The rate onthese funds has increased to 5.65% for first quarter 2005 from 4.22% for firstquarter 2004.  Costs of time deposits have increased 15 basis points over thesame period; however costs of money market accounts and savings accounts havedoubled.  Yields on interest-earning assets have improved by 17 basis points forthe comparable first quarter periods.  The yield on the $335 million loanportfolio was up 44 basis points to 6.81% from first quarter 2004.  The loan todeposit ratio at March 31, 2005 was 76%, down slightly from 77% at December 31,2004 and down sharply from the 84% ratio at March 31, 2004, since deposits havegrown faster than loans during the quarter and the trailing twelve months.  

As a result of slower loan growth this year to date, theloan loss provision of $264,000 was lower than the provision of $464,000 forthe first quarter of 2004.  Noninterest income was $53,000 lower for the currentquarter compared to the same period last year as a result of a $125,000 declinein gains from the sale of investment securities.  The decline was partiallyoffset by strong fee income on international banking services which increased42% to $406,000 in first quarter 2005 compared to the same period last year. The increase is attributed to the generation of new business as well asincreases in transaction volume for, in particular, import letters of credit.  

Noninterest expensesincreased $655,000, or 20%, in first quarter 2005 compared to the same periodlast year.  A large portion of this increase can be attributed to salary,equipment and occupancy costs related to organic growth of the Bank.  TheBank's total personnel costs increased 19% to $2 million in first quarter 2005compared to first quarter 2004.  Approximately $100,000 of this increase wasdue to a January 2005 non-refundable salary advance on the current year'sannual base salary adjustments to facilitate a change in the Bank's paymentpolicy.  As the year progresses, the impact of this one-time expense willdiminish since it relates to normal annual salary increases.  There were 130full-time equivalent employees at March 31, 2005, an increase of eight in thepast year.  Most of these positions were attributed to the addition of onefull-service branch office in first quarter 2005 and one limited-service branchoffice in second quarter 2004.  Equipment and occupancy expenses also reflectedthese additions, as well as the relocation of the San Jose branch office to anew location in fourth quarter 2004.  The lease on the original space in SanJose, which continues to be used for operations, expires in early 2006.  Othernoninterest expenses were also up 22%, mainly due to the branch expansion, forexample, data/item processing, marketing, and supplies increased by $21,000,$13,000, and $12,000, respectively, for the comparable first quarter periods.  Legalfees have also increased $30,000 over first quarter 2004 as nonperformingassets have increased, thus requiring additional collection efforts.  Theseincreases in noninterest expenses have had a significant impact on the Company'soperating efficiency ratio, which was 65% for the first quarter of 2005, up from57% for the same period last year. 

In the first quarter of 2005, the Bank entered into acontract to purchase $3.1 million of low income housing credits which will havea fifteen-year federal income tax benefit.  Approximately $1 million of thecommitment was paid in March with the remainder due over the next two years. This purchase reduced the Company's effective tax rate in the current year to29% from the previous 32%.

Page 11 of 23

Asset Quality

Non-performing assets decreased during first quarter to $2.4 million atMarch 31, 2005, representing .72% of total loans and other real estate,compared to $2.8 million, or .83%, at year-end 2004.  The decrease wasprimarily due to the sale of a commercial real estate loan totaling $337,000. The loan was sold for $300,000 in first quarter 2005 and the remaining balancecharged off.  The March 31, 2005 non-performing assets included eight SmallBusiness Administration ("SBA") loans totaling $869,000 which arefully guaranteed by the SBA.  These loans have all defaulted and are in theprocess of liquidation. Non-performing assets at December 31, 2004 consisted ofnine SBA loans, totaling $958,000, which were fully guaranteed by the SBA andone commercial real estate loan totaling $337,000.  Non-performing assets atMarch 31, 2005 and December 31, 2004 include other real estate owned resultingfrom the foreclosure of commercial real estate on one loan totaling $1.5million.  There is currently a contract pending for the sale of the property,and no loss is anticipated.  There were no loans past due 90 days or more as toprincipal or interest payments and still accruing at March 31, 2005. 

Non-performing Assets

March 31,

      December 31,

(Dollars in thousands)

2005

2004

Loans on non-accrual

SBA guaranteed

$

869 

$

958 

Non-SBA guaranteed

-- 

337 

Other real estate owned

1,544 

1,544 

Total non-performing assets

$

2,414 

$

2,839 

Total non-performing assets  as a

percentage of total loans  and other real estate

.72 %

.83 %

Total non-performing loans  as a percentage of total loans

.26 %

.38 %

Allowance for Loan Losses

The allowance for loan losses represents a reserve for probable loanlosses in the loan portfolio.  The adequacy of the allowance for loan losses isevaluated periodically based on a review of all significant loans, withparticular emphasis on impaired, non-accruing, past due, and other loans thatManagement believes require special attention.  The determination of theallowance for loan losses is subjective and considered a critical accountingestimate of the Company.

When reviewing the allowance for loan losses, it isimportant to understand to whom the Company lends.  The loan portfolio isprimarily comprised of loans to small businesses.  In particular, the Companyhas developed lending niches in a number of industries, the most prevalent ofwhich include restaurants, convenience stores, retail merchants, and stripshopping centers.  At March 31, 2005, the Bank's largest concentrations areretail trade loans to convenience stores, restaurants, food stores, and liquorstores, which totaled approximately $123 million, or 257%, of capital;commercial real estate loans which totaled approximately $113 million, or 236%,of capital; and loans to service providers: financial, health, lodging and drycleaners, which totaled approximately $46 million, or 96%, of capital. Theseconcentrations are all within established policy limits.  Management has notidentified any specific industry weakness that may negatively impact the loanportfolio.

Notwithstanding the foregoing, lending to these types of businessesdoes involve risk, given their vulnerability to changes in economicconditions.  The Company has mitigated the risk to these types of borrowers inseveral ways.  First, a portion of these loans is supported by governmentguarantees obtained from the Small Business Administration.  Secondly, themajority of the Company's loans are well secured with marketable real estate,and thirdly, the Company performs in-depth economic analyses on theseindustries in order to remain abreast of current trends and conditions. Management monitors loan concentrations in given industries in relation to theBank's equity capital and has established limits to mitigate risk.

The Bank has established a multifaceted methodology toanalyze the adequacy of the allowance for loan losses. This methodologyincludes consideration of the Bank's credit risk rating system, historicalcharge-offs, loan impairment as defined by SFAS No. 114, loss ratios oncriticized and classified loans, and finally, adjustments related to variousqualitative factors that may change the risk profile of all or portions of theportfolio. The analysis is used to arrive at a recommended allowance for loanlosses.

Page 12 of 23

A general allowance for losses is calculated based onestimates of inherent losses which probably exist as of the evaluation date,taking into account the loans as they are impacted by the above factors. Thegeneral allowance for losses on problem loans in these categories is based on areview and evaluation of these loans, taking into consideration financialcondition and strengths of the borrower, related collateral, cash flowsavailable for debt repayment, and known and expected economic trends and conditions.General loss percentages for the problem loans are determined based uponhistorical loss experience and regulatory guidelines. For loans consideredimpaired, specific allowances are provided in the event that the specificcollateral analysis on each problem loan indicates that the probable loss uponliquidation of collateral would be in excess of the expected value of thecollateral if the loan is collateral dependent or if the present value ofexpected future cash flows are less than the loan balance. In addition to theseallocated reserves, the Company has established an unallocated reserve of $269,000at March 31, 2005. The basis for the unallocated reserve is due to a number ofqualitative factors, such as migration trends in the portfolio, trends involume, the risk identification process, changes in the outlook for local andregional economic conditions and concentrations of credit.   

There was slight decrease in the allowance for loan losses at $4.4million for March 31, 2005 compared to $4.5 million at year-end 2004.  Duringthe first quarter of 2005, increases in the allowance for loan losses due toadditional provisions were offset by net charge-offs.  Total nonperformingloans and criticized and classified assets both declined during the currentquarter.  Criticized and classified assets at March 31, 2005 decreased to $6.4million from $6.7 million at December 31, 2004, a decline of 6%, largely due tothe sale of a $337,000 conventional loan secured with real estate.  Additionally,the mix of criticized versus classified assets has improved by approximately$520,000 since December 31, 2004.  Gross charged-off loans for the year to datethrough March 2005 totaled $495,000, while recoveries for the period totaled $54,000,for an annualized net charge-off ratio of .52% of average total loans.  The netcharge-off ratio for the first three months of 2004 was .33%.  The provisionfor loan losses decreased to $264,000 in first quarter of 2005 compared to $464,000during the same period last year.  The decline was due to the absence of loan growthduring the current quarter.

The allowance for loan losses represented 1.31% and 1.34% of totalloans outstanding at March 31, 2005 and December 31, 2004, respectively.  The decreasewas due to the general improvement in the overall quality of the loan portfoliosince 100% of the nonperforming loans at March 31, 2005 were fully guaranteedby the SBA, and criticized and classified assets have declined since year-end. The determination of the allowance for loan losses rests upon Management'sjudgment about factors affecting loan quality, assumptions about the economy,and other factors; however, Management's judgment is based upon a number ofassumptions, which are believed to be reasonable, but which may or may notprove valid.  Thus, there can be no assurance that charge-offs in futureperiods will not exceed the allowance for loan losses or that additionalincreases in the allowance for loan losses will not be required.  In addition,various regulatory agencies, as an integral part of their examination process,periodically, review the Company's allowance for loan losses.  Such agenciesmay require the Company to recognize additions to the allowance based on theirjudgments about information available to them at the time of their examination.

Page 13 of 23

The following table represents an analysis of the Company's allowancefor loan losses including the provision for loan losses and net loancharge-offs for the three months ended March 31, 2005 and 2004.
 Analysisof Allowance for Loan Losses
for the Three Months Ended March 31,

(In thousands)

2005

2004

Allowance for loan losses  at beginning of period

 $

4,549 

 $

4,047 

Charge-offs:

Commercial, financial, and  agricultural

189 

288 

Real estate

37 

-- 

SBA

269 

-- 

Total

495 

288 

Recoveries:

Commercial, financial, and  agricultural

28 

11 

SBA

27 

7 

Installment loans to  individuals

-- 

4 

Total

55 

22 

Net charge-offs

440 

266 

Provision for loan losses  charged to income

264 

464 

Allowance for loan losses  at end of period

 $

4,373 

 $

4,246 

Based on an analysis performed by management at March 31,2005 the allowance for loan losses is considered to be adequate to cover loanlosses in the portfolio as of that date.  However, because of the inherentuncertainty of the assumptions we use in our loan analyses, management cannotassure that loan losses in future periods will not exceed the allowance forloan losses or that additional allocations to the allowance will not berequired.

Derivative Instruments andHedging Activities

Interest rate swap transactions generally involve theexchange of fixed and floating rate interest rate obligations without theexchange of underlying principal amounts.  Entering into interest ratecontracts involves not only interest rate risk, but also the risk ofcounterparties' failure to fulfill their legal obligation.  Notional principalamounts often are used to express the volume of these transactions, but the amountspotentially subject to credit risk are much smaller.

In second quarter 2003, theCompany entered into an interest rate swap contract with a notional amount of$25 million to reduce the interest rate risk on certain variable rate loans.  Theinterest rate swap changed the variable-rate cash flow exposure on a portion ofthe loan portfolio to fixed rate cash flows.  This swap is currently designatedas a hedge instrument against those cash flows and, therefore, any fluctuationsin fair value of the interest rate swap are recorded as an adjustment toaccumulated other comprehensive income and established as an asset orliability.  At March 31, 2005, the fair value of this interest rate swap was a lossof $820,000.  This swap matures on July 31, 2008.

Page 14 of 23

Liquidityand Capital Adequacy

Liquidity fluctuated duringthe first quarter of 2005 as temporary deposits at December 31, 2004 allowedfor the reduction of wholesale borrowings and both the loan portfolio and theinvestment security portfolio declined during the quarter.  At March 31, 2005,the Company's net loan to deposit ratio was 76%, down slightly from the 77%ratio at December 31, 2004 as a result of several loan payoffs in the firstquarter.  During April, the majority of the temporary deposits from fourthquarter 2004 were wired out of the Bank necessitating additional usage ofwholesale borrowings; however, such usage does not strain the capacity ofborrowings limits.  Management analyzes the level of off-balance sheet assetsand liabilities such as unfunded loan commitments and outstanding letters ofcredit as they relate to the levels of cash, cash equivalents, liquidinvestments, and available federal funds lines to ensure that a potentialshortfall does not arise.  Based on this analysis, management believes that theCompany has adequate liquidity to meet short-term operational requirements.

Stockholders'equity of the Company was essentially flat at $34 million comparing the totalat March 31, 2005 to December 31, 2004.  This is due to the offset of earningsin excess of dividends paid with a decrease in accumulated other comprehensiveincome. 

Thecapital level of the Bank exceeds all prescribed regulatory capitalguidelines.  Regulations require that the most highly rated banks maintain a minimumTier 1 leverage ratio of 3%, and require other banks to maintain a minimum Tier1 leverage ratio of 3% plus an additional cushion of at least 1 to 2 percentagepoints.  Tier 1 capital consists of stockholders' equity less certainintangible assets.  The Bank's Tier 1 leverage ratio was 8.2% at March 31, 2005compared to 8.4% at year-end 2004.  Regulationsrequire that the Bank maintain a minimum total risk-weighted capital ratio of8% with 50%, or 4%, of this amount made up of Tier 1 capital.  Risk-weightedassets consist of balance sheet assets adjusted by risk category andoff-balance sheet asset equivalents similarly adjusted.  At March 31, 2005, theBank had a risk-weighted total capital ratio of 13.3% and a Tier 1risk-weighted capital ratio of 12.1%, an increase from year-end 2004 ratios of13.1% and 11.9%, respectively.  The increase was mainly due to earnings improvingcapital since current risk-based assets were flat compared to assets atDecember 31, 2004.  
Commitments and Contractual Obligations
In addition to the Company'scontractual obligations such as deposits, FHLB advances and other borrowedfunds, the Company has commitments to its customers under lines of credit. Thetotal of these commitments at March 31, 2005 was approximately $39 million. The lines include conventional revolving lines of credit that consist ofcommercial working capital lines that renew annually. Commitments also includeannually renewing international lines for letters of credit availability. There are commitments under lines of credit which are not revolving that areused by customers for specific purposes, as well as various types of consumerlines of credit.  These include lines secured by mortgages on residential realestate and unsecured revolving credit lines.  Although Management regularlymonitors the balance of outstanding commitments to ensure funding availabilityshould the need arise, historical records indicate that the total ofoutstanding commitments is a very consistent amount, and the risk of allcustomers fully drawing on all these lines at the same time is remote.

Page 15 of 23

The following table is asummary of the Company's commitments to extend credit and commitments undercontractual leases, as well as the Company's contractual obligations,consisting of deposits, FHLB advances and borrowed funds, by contractualmaturity date.

            

In thousands

Due in 1Year

Due in 2 Years

Due in 3Years

Due in 4 Years

Due in 5  Years

Due after 5Years

Demand and savings 

$

210,245 

$

- 

$

- 

$

- 

$

- 

$

- 

deposits

Time deposits

160,344 

27,477 

19,724 

2,708 

14,427 

85 

Federal Home Loan 

15,000 

10,000 

- 

- 

- 

- 

Bank advances

Other borrowed funds

7,143 

- 

- 

- 

- 

- 

Commitments to customers 

38,798 

- 

- 

- 

- 

- 

under lines of credit

Commitments under

lease agreements

1,480 

1,354 

1,258 

856 

882 

2,957 

Long-term debentures

- 

- 

- 

- 

- 

12,000 

$

433,010 

$

37,477 

$

20,982 

$

3,564 

$

15,309 

$

15,042  

Page 16 of 23

**ITEM3.          QUANTITATIVE ANDQUALITATIVE DISCLOSURES ABOUT MARKET RISK**

As of March 31, 2005, there were no substantialchanges from the interest rate sensitivity analysis or the market value ofportfolio equity for various changes in interest rates calculated as ofDecember 31, 2004.  The foregoing disclosures related to the market risk of theCompany should be read in conjunction with the Company's audited consolidatedfinancial statements, related notes and management's discussion and analysis offinancial condition and results of operations for the year ended December 31, 2004included in the Company's 2004 Annual Report on Form 10-K. 

**ITEM 4.          CONTROLSAND PROCEDURES**

** **

As of the end of the period covered by this report,the Company carried out an evaluation, under the supervision and with theparticipation of the Company's management, including the Company's ChiefExecutive Officer and Acting Chief Financial Officer, of the effectiveness ofthe design and operation of the Company's disclosure controls and procedurespursuant to Exchange Act Rule 13a-15.  Based upon that evaluation, theCompany's Chief Executive Officer and Acting Chief Financial Officer concludedthat the Company's disclosure controls and procedures are effective in timelyalerting her to material information relating to the Company (including itsconsolidated subsidiaries) that is required to be included in the Company'speriodic filings with the Securities and Exchange Commission.  There have beenno significant changes in the Company's internal controls or, to the Company'sknowledge, in other factors that could significantly affect those internalcontrols subsequent to the date the Company carried out its evaluation, andthere have been no corrective actions with respect to significant deficienciesor material weaknesses.

Page 17 of 23

**PARTII. - OTHER INFORMATION**

**ITEM  1.**

Legal  Proceedings - Not Applicable

**ITEM  2.**

Unregistered  Sales of Equity Securities and Use of Proceeds 

** **

a)

Not  Applicable

** **

b)

Not  Applicable

** **

c)

The  Company did not have a stock repurchase plan in effect and there were no 

repurchases  during the current period

**ITEM  3.**

Defaults  Upon Senior Securities - Not Applicable

**ITEM 4.**

Submission of Matters to a  Vote of Security Holders - None

**ITEM 5.**

Other Information  

** **

On February 28, 2005, the  Board of Directors approved the Compensation Committee's

** **

recommendation for the  following elements of director compensation:

** **

1.

Directors' fees for the  Company and the Bank of $800 per meeting

** **

2.

Company outside director  retainers of $4,000 per year

** **

3.

Committee member fees of  $250 per meeting

** **

4. 

Committee chair fees of  $300 per meeting, except that audit committee

** **

Chair fees will be $500 per  meeting

** **

The Board also ratified the  Compensation Committee's decision to increase the base

** **

salaries of the Company's  Chief Executive Officer, Pin Pin Chau, its President and Bank 

** **

Chairman, David Yu, and its  Executive Vice President, H.A. Dudley by 4%.  As a result,

** **

Ms. Chau's base salary for  2005 is $180,180, Mr. Yu's 2005 base salary is $151,476, and

** **

Mr. Dudley's 2005 base  salary is $125,736.

** **

**ITEM 6.**

Exhibits 

Exhibit 11. 1

Statement Regarding  Computation of Per Share Earnings

Exhibit 31. 1

Certification of Chief  Executive Officer (and Acting Chief Financial Officer) 

Exhibit 32.1

Certifications of Chief  Executive Officer (and Acting Chief Financial Officer) 

Page 18 of 23

**SIGNATURES**

Pursuantto the requirements of the Securities Exchange Act of 1934, the Registrant hasduly caused this Report to be signed by the undersigned, thereunto dulyauthorized.
SUMMIT BANK CORPORATION
BY:

    /s/  Pin Pin  Chau                               

Pin Pin Chau

Chief Executive Officer

Acting Chief Financial  Officer

(principal executive and  financial officer)

DATE:

         May  10,  2005                

Page 19 of 23

**INDEX TO EXHIBITS**
ExhibitPage
11.1

Statement  Regarding Computation of Per Share Earnings

21

31.1

Certification of Chief  Executive Officer and Acting Chief 

22

   Financial Officer Pursuant to Section 302 of the
   Sarbanes-Oxley Act of 2002 (the "Act")
32.1

Certifications of Chief  Executive Officer and Acting Chief 

23

   Financial Officer  Pursuant to Section 906 of the Act 

Page 20 of 23

**Exhibit11.1**

**Statement Regarding Computation**

**of Per Share Earnings**

        Three months            ended March 31,

2005

2004

Net income

$

1,306,000 

$

1,321,000 

Basic net income per share:

Weighted-average shares  outstanding

5,693,054 

5,671,593 

Net income per share 

$

.23 

$

.23 

Diluted net income per  share:

Weighted-average common  shares

outstanding and common  share equivalents

5,699,227 

5,671,914 

Net income per share

$

.23 

$

.23 

Page 21 of 23

Exhibit 31.1
**Certification of Chief Executive Officer Pursuant to**Section 302 of the Sarbanes-Oxley Act of 2002
I,Pin Pin Chau, Chief Executive Officer and Acting Chief Financial Officer ofSummit Bank Corporation, certify that:

1.      I have reviewed this quarterlyreport on Form 10-Q of Summit Bank Corporation;

2.      Based on my knowledge, thisquarterly report does not contain any untrue statement of a material fact oromit to state a material fact necessary to make the statements made, in lightof the circumstances under which such statements were made, not misleading withrespect to the period covered by this report;

3.      Based on my knowledge, thefinancial statements, and other financial information included in this report,fairly present in all material respects the financial condition, results ofoperations and cash flows of the registrant as of, and for, the periodspresented in this report;

4.      I am responsible forestablishing and maintaining disclosure controls and procedures (as defined inExchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

a)        designed such disclosurecontrols and procedures, or caused such disclosure controls and procedures tobe designed under my supervision, to ensure that material information relatingto the registrant, including its consolidated subsidiaries, is made known to meby others within those entities, particularly during the period in which thisreport is being prepared;

b)        evaluated the effectivenessof the registrant's disclosure controls and procedures and presented in thisreport my conclusions about the effectiveness of such disclosure controls andprocedures, as of the end of the period covered by this report based on suchevaluation; and

c)        disclosed in this report anychange in the registrant's internal control over financial reporting thatoccurred during the registrant's most recent fiscal quarter (the registrant'sfourth fiscal quarter in the case of an annual report) that has materiallyaffected, or is reasonably likely to materially affect, the registrant'sinternal control over financial reporting; and

5.      I have disclosed, based on mymost recent evaluation of internal control over financial reporting, to theregistrant's auditors and the audit committee of the registrant's board ofdirectors (or persons performing the equivalent functions):

a)       all significant deficiencies and materialweaknesses in the design or operation of internal control over financialreporting which are reasonably likely to adversely affect the registrant'sability to record, process, summarize and report financial information; and

b)       any fraud, whether or not material, thatinvolves management or other employees who have a significant role in theregistrant's internal control over financial reporting.

Date:May 10, 2005                                                       /s/ PinPin Chau

Pin Pin Chau

Chief Executive Officer 

Acting Chief Financial Officer

(principal executive and financial officer) 

                                                                                                                        

Page 22 of 23

**Exhibit 32.1**
**Certifications of Chief Executive Officer and ChiefFinancial Officer****Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002**
The undersigned hereby certifies, pursuant to 18 U.S.C.Section 1350 as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of2002, that this Quarterly Report on Form 10-Q for the quarter ended March 31,2005 fully complies with the requirements of Section 13(a) or 15(d) of the SecuritiesExchange Act of 1934, as amended, and the information contained in such reportfairly presents, in all material respects, the financial condition and resultsof operations of the Company.

This 10th day of May, 2005.

                           

BY:

    /s/  Pin Pin Chau                               

Pin Pin Chau

Chief Executive Officer

Acting Chief Financial  Officer

(principal executive and  financial officer)

Page 23 of 23 |