Jane O. Kosman - Page 12

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                          Income Statements of Western National Bank                                      
                                      Years Ended December 31                                             
            1984         1985         1986                                                                
            Operating expenses      $2,732,952   $2,899,963   $2,466,955                                  
            Income (loss) before                                                                          
            income taxes &                                                                                
            securities gains           295,747     (119,316)     116,943                                  
            Income tax provision                                                                          
            (credit)                    66,699     (105,979)       6,000                                  
            Income (loss) before                                                                          
            securities gains           229,048      (13,337)     110,943                                  
            Securities gains               434        4,697        2,042                                  
            Net income (loss)          229,482       (8,640)     112,985                                  

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