1999								1998
AVERAGE		REVENUE/		YIELD/				AVERAGE		REVENUE/		YIELD/
BALANCE		EXPENSE		RATE				BALANCE		EXPENSE		RATE
$ 25,471,295		$ 2,132,983		8.37%				$ 24,027,839		$ 2,085,546		8.68%
7,123,385		459,571		6.45				7,073,480		486,927		6.88
245,734		16,339		6.65				291,905		22,000		7.54
7,369,119		475,910		6.46				7,365,385		508,927		6.91
4,667,059		308,136		6.60				3,441,212		227,945		6.62
232,797		18,808		8.08				153,185		15,063		9.83
4,899,856		326,944		6.67				3,594,397		243,008		6.76
12,268,975		802,854		6.54				10,959,782		751,935		6.86
67,333		4,203		6.24				61,368		4,303		7.01
124,381		5,694		4.58				145,554		7,650		5.26
179,276		10,148		5.66				278,506		16,457		5.91
51,917		2,343		4.51				27,862		1,204		4.32
38,163,177		2,958,225		7.75				35,500,911		2,867,095		8.08
4,076,897								3,665,989
(362,410)								(365,564)
(60,424)								41,145
$ 41,817,240								$ 38,842,481
$9,269,643		266,155		2.87				$9,201,511		302,208		3.28
2,191,546		53,933		2.46				1,968,461		51,354		2.61
7,821,761		402,576		5.15				8,823,928		475,426		5.39
703,421		34,262		4.87				203,084		10,048		4.95
2,837,027		146,422		5.16				2,246,605		131,231		5.84
4,051,451		187,946		4.64				3,359,865		168,435		5.01
939,831		47,894		5.10				837,742		43,287		5.17
4,290,904		222,036		5.17				2,882,891		153,122		5.31
881,207		55,321		6.28				769,107		52,999		6.89
101,120		7,458		7.38				101,305		7,471		7.37
18,986		801		4.22				38,650		2,042		5.28
33,106,897		1,424,804		4.30				30,433,149		1,397,623		4.59
				3.45%								3.49%
4,894,631								4,707,121
630,628								610,474
3,185,084								3,091,737
$ 41,817,240								$ 38,842,481
		1,533,421		4.02%						1,469,472		4.14%
	4,838				5,481
	8,411				12,055
	12,076				7,527
	152				125
	25,477				25,188
	$ 1,507,944				$ 1,444,284

Loans net of unearned income includes nonaccrual loans for all years presented. Certain noninterest-earning marketable equity securities are not included in available-for-sale securities.