Exhibit 99.1



Tables of Additional Financial Information Required by Industry Guide 3



|Table 1. | Investment Securities
|-------- | ---------------------



Investment securities at December 31, 2001 consist of the following:



|                           |  |                |            |                        |   |                         |  |   |                        |   |  |   |           
|-------------------------- |  | -------------- | ---------- | ---------------------- | - | ----------------------- |  | - | ---------------------- | - |  | - | ----------
|                           |  | 2001          
|                           |  | Amortized Cost |            | Gross Unrealized Gains |   | Gross Unrealized Losses |  |   | Estimated Market Value
|Held to maturity:          |  |                |            |                        |   |                         |  |   |                        |   |  |   |           
|Debt securities:           |  |                |            |                        |   |                         |  |   |                        |   |  |   |           
|Mortgage-backed securities |  | $              | 90,774     |                        | $ | 5,993                   |  | $ |                       |   |  | $ | 96,767    
|                           |  |                |            |                        |   |                         |  |   |                        |   |  |   |           
|Available for sale:        |  |                |            |                        |   |                         |  |   |                        |   |  |   |           
|Debt securities:           |  |                |            |                        |   |                         |  |   |                        |   |  |   |           
|Mortgage-backed securities |  | $              | 1,011,586  |                        | $ | 20,666                  |  | $ |                       |   |  | $ | 1,032,252 
|Federal agency securities  |  |                | 11,248,313 |                        |   | 320,203                 |  |   | (2,409                 | ) |  |   | 11,566,107
|                           |  |                |            |                        |   |                         |  |   |                        |   |  |   |           
|                           |  | $              | 12,259,899 |                        | $ | 340,869                 |  | $ | (2,409                 | ) |  | $ | 12,598,359
|                           |  |                |            |                        |   |                         |  |   |                        |   |  |   |           



|Table 2. | Allowance for Loan Losses
|-------- | -------------------------



The following summarizes transactions in the allowance for loan losses:



|                                  |  |                          |          |   |      |   |         |      |  |   |         |  
|--------------------------------- |  | ------------------------ | -------- | - | ---- | - | ------- | ---- |  | - | ------- | -
|                                  |  | Years Ended December 31, |         
|                                  |  | 2001                     |          |   | 2000 |   |         | 1999 | 
|Balance, beginning                |  | $                        | 489,241  |   |      | $ | 391,720 |      |  | $ | 358,867 |  
|Provision for loan losses         |  |                          | 223,723  |   |      |   | 112,935 |      |  |   | 36,200  |  
|Charge-offs:                      |  |                          |          |   |      |   |         |      |  |   |         |  
|Conventional first mortgage loans |  |                          |         |   |      |   |        |      |  |   |        |  
|Consumer loans                    |  |                          | (92,061  | ) |      |   | (15,414 | )    |  |   | (3,347  | )
|Commercial loans                  |  |                          | (52,374  | ) |      |   |        |      |  |   |        |  
|Recoveries                        |  |                          | 6,166    |   |      |   |        |      |  |   |        |  
|                                  |  |                          |          |   |      |   |         |      |  |   |         |  
|Net charge-offs                   |  |                          | (138,269 | ) |      |   | (15,414 | )    |  |   | (3,347  | )
|                                  |  |                          |          |   |      |   |         |      |  |   |         |  
|Balance, ending                   |  | $                        | 574,695  |   |      | $ | 489,241 |      |  | $ | 391,720 |  
|                                  |  |                          |          |   |      |   |         |      |  |   |         |  



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|Table 3. | Loans
|-------- | -----



Loans consist of the following at December 31:



|                                        |  |      |             |   |      |   |             |      |  |   |             |  
|--------------------------------------- |  | ---- | ----------- | - | ---- | - | ----------- | ---- |  | - | ----------- | -
|                                        |  | 2001 |             |   | 2000 |   |             | 1999 | 
|Conventional first mortgage loans       |  | $    | 84,112,335  |   |      | $ | 90,720,092  |      |  | $ | 89,700,116  |  
|Loans held for sale                     |  |      | 265,000     |   |      |   |            |      |  |   |            |  
|Construction loans                      |  |      | 19,389,667  |   |      |   | 10,412,137  |      |  |   | 15,296,931  |  
|Equity-line loans                       |  |      | 13,021,393  |   |      |   | 12,217,180  |      |  |   | 10,314,359  |  
|Loans on deposit accounts               |  |      | 286,565     |   |      |   | 327,770     |      |  |   | 203,082     |  
|Consumer loans                          |  |      | 4,466,422   |   |      |   | 4,553,211   |      |  |   | 2,226,505   |  
|Commercial loans                        |  |      | 23,221,580  |   |      |   | 21,982,311  |      |  |   | 5,579,937   |  
|                                        |  |      |             |   |      |   |             |      |  |   |             |  
|                                        |  |      | 144,762,962 |   |      |   | 140,212,701 |      |  |   | 123,320,930 |  
|                                        |  |      |             |   |      |   |             |      |  |   |             |  
|Less:                                   |  |      |             |   |      |   |             |      |  |   |             |  
|Undisbursed portion of loans in process |  |      | 6,968,467   |   |      |   | 6,148,201   |      |  |   | 6,283,693   |  
|Unamortized loan fees                   |  |      | 243,058     |   |      |   | 263,035     |      |  |   | 282,582     |  
|Allowance for loan losses               |  |      | 574,695     |   |      |   | 489,241     |      |  |   | 391,720     |  
|                                        |  |      |             |   |      |   |             |      |  |   |             |  
|                                        |  |      | 7,786,220   |   |      |   | 6,900,477   |      |  |   | 6,957,995   |  
|                                        |  |      |             |   |      |   |             |      |  |   |             |  
|                                        |  | $    | 136,976,742 |   |      | $ | 133,312,224 |      |  | $ | 116,362,935 |  
|                                        |  |      |             |   |      |   |             |      |  |   |             |  
|Weighted average yield                  |  |      | 7.67        | % |      |   | 8.81        | %    |  |   | 8.36        | %
|                                        |  |      |             |   |      |   |             |      |  |   |             |  



|Table 4. | Nonaccrual Loans
|-------- | ----------------



Loans delinquent more than 90 days amounted to approximately $2,394,308, $1,524,800, and $393,200 at December 31, 2001, 2000, and 1999, respectively. Interest income that would have been recorded on nonaccrual loans
totaled $45,653, $25,294, and $12,729 for the years ended December 31, 2001, 2000, and 1999, respectively.



|Table 5. | Deposits
|-------- | --------



Deposits consist of the following at December 31:



|                                              |  |      |             |  
|--------------------------------------------- |  | ---- | ----------- | -
|                                              |  | 2001 |            
|Regular savings accounts, 1.50%               |  | $    | 4,444,513   |  
|NOW accounts, 0.50% to 1.26%                  |  |      | 9,428,371   |  
|Money market deposit accounts, 1.25% to 1.77% |  |      | 7,865,807   |  
|Noninterest-bearing accounts                  |  |      | 5,672,181   |  
|                                              |  |      |             |  
|                                              |  |      | 27,410,872  |  
|                                              |  |      |             |  
|Certificates:                                 |  |      |             |  
|0.00% - 2.99%                                 |  |      | 15,133,827  |  
|3.00% - 4.50%                                 |  |      | 38,736,765  |  
|4.51% - 6.50%                                 |  |      | 33,450,282  |  
|6.51% and above                               |  |      | 14,093,655  |  
|                                              |  |      |             |  
|                                              |  |      | 101,414,529 |  
|                                              |  |      |             |  
|                                              |  | $    | 128,825,401 |  
|                                              |  |      |             |  
|Weighted average cost of funds                |  |      | 4.11        | %
|                                              |  |      |             |  



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