EXHIBIT 99

SELECTED FINANCIAL HIGHLIGHTS

|                                             |                                                                                                    | 2001                                           |   | 2000        |        | 1999 |             | 1998   |   | 1997        |      
|-------------------------------------------- | -------------------------------------------------------------------------------------------------- | ---------------------------------------------- | - | ----------- | ------ | ---- | ----------- | ------ | - | ----------- | -----
|                                             |                                                                                                   
|CONSOLIDATED INCOME STATEMENT DATA:          |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Interest income                                                                                    |                                                | $ | 23,832,624  |        | $    | 26,726,048  |        | $ | 22,255,896  |      
|                                             | Interest expense                                                                                   |                                                |   | 12,872,355  |        |      | 15,921,684  |        |   | 10,953,649  |      
|                                             |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Net interest income                                                                                |                                                |   | 10,960,269  |        |      | 10,804,364  |        |   | 11,302,247  |      
|                                             | Provision for loan losses                                                                          |                                                |   | 550,000     |        |      | 448,000     |        |   | 597,840     |      
|                                             |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Net interest income after provision for loan losses                                                |                                                |   | 10,410,269  |        |      | 10,356,364  |        |   | 10,704,407  |      
|                                             | Noninterest income                                                                                 |                                                |   | 7,156,444   |        |      | 7,913,046   |        |   | 10,911,443  |      
|                                             | Noninterest expense                                                                                |                                                |   | 14,817,504  |        |      | 15,945,347  |        |   | 17,864,554  |      
|                                             |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Income before income taxes                                                                         |                                                |   | 2,749,209   |        |      | 2,324,063   |        |   | 3,751,296   |      
|                                             | Income tax provision                                                                               |                                                |   | 816,132     |        |      | 576,531     |        |   | 905,249     |      
|                                             |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Net income                                                                                         |                                                | $ | 1,933,077   |        | $    | 1,747,532   |        | $ | 2,846,047   |      
|                                             |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|CONSOLIDATED BALANCE SHEET DATA, AT YEAR END |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Assets                                                                                             |                                                | $ | 357,194,940 |        | $    | 387,946,570 |        | $ | 375,619,201 |      
|                                             | Loans, net of unearned income                                                                      |                                                |   | 220,539,017 |        |      | 278,019,898 |        |   | 260,005,257 |      
|                                             | Deposits                                                                                           |                                                |   | 265,528,720 |        |      | 292,024,141 |        |   | 262,449,865 |      
|                                             | Stockholders' equity                                                                               |                                                |   | 32,648,304  |        |      | 30,482,004  |        |   | 29,884,577  |      
|PER SHARE DATA:(a)                           |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Number of shares of Common Stock outstanding, at year-end                                          |                                                |   | 2,701,254   |        |      | 2,707,733   |        |   | 2,776,904   |      
|                                             | Net income:                                                                                        |                                                |   |             |        |      |             |        |   |             |      
|                                             |                                                                                                    | Basic                                          |   | $           | 0.71   |      | $           | 0.64   |   | $           | 1.01 
|                                             |                                                                                                    | Diluted                                        |   |             | 0.71   |      |             | 0.64   |   |             | 1.01 
|                                             | Cash dividends declared                                                                            |                                                |   | 0.3600      |        |      | 0.3550      |        |   | 0.3075      |      
|                                             | Book value, at year end                                                                            |                                                |   | 12.09       |        |      | 11.26       |        |   | 10.76       |      
|Performance and Capital Ratios:              |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Return on average assets                                                                           |                                                |   | 0.51        | %      |      | 0.46        | %      |   | 0.85        | %    
|                                             | Return on average shareholders' equity                                                             |                                                |   | 6.01        |        |      | 5.87        |        |   | 9.15        |      
|                                             | Net yield on interest earning assets (b)                                                           |                                                |   | 3.32        |        |      | 3.23        |        |   | 4.01        |      
|                                             | Average shareholders' equity to average total assets                                               |                                                |   | 8.56        |        |      | 7.85        |        |   | 9.26        |      
|                                             | Year-end capital to year-end risk-weighted assets:                                                 |                                                |   |             |        |      |             |        |   |             |      
|                                             |                                                                                                    | Tier 1                                         |   |             | 12.94  |      |             | 11.03  |   |             | 10.99
|                                             |                                                                                                    | Total                                          |   |             | 14.32  |      |             | 12.17  |   |             | 12.38
|                                             | Year-end Tier 1 leverage ratio                                                                     |                                                |   | 8.65        |        |      | 7.75        |        |   | 7.30        |      
|                                             | Cash dividend declared to net income                                                               |                                                |   | 50.43       |        |      | 55.58       |        |   | 30.37       |      
|ASSETS QUALITY RATIOS:                       |                                                                                                    |                                                |   |             |        |      |             |        |   |             |      
|                                             | Allowance for loan losses, at year-end to:                                                         |                                                |   |             |        |      |             |        |   |             |      
|                                             |                                                                                                    | Total loans, net of unearned income            |   |             | 1.51   | %    |             | 1.09   | % |             | 1.09 
|                                             |                                                                                                    | Nonperforming, restructured and past-due loans |   |             | 276.13 |      |             | 119.19 |   |             | 201.3
|                                             | Net charge-offs to average total loans, net of unearned income                                     |                                                |   | 0.10        |        |      | 0.09        |        |   | 0.07        |      
|                                             | Nonperforming, restructured and past-due loans to total loans, net of unearned income, at year-end |                                                |   | 0.55        |        |      | 0.91        |        |   | 0.54        |      

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