Jane O. Kosman - Page 13

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                            Balance Sheets of Western National Bank                                       
                                      Years Ended December 31                                             
            1984         1985         1986                                                                
            Cash & due from                                                                               
            banks                   $2,368,946   $1,868,176   $1,460,320                                  
            U.S. securities          2,755,558    3,883,924    5,406,542                                  
            U.S. agencies              399,750      249,750      249,750                                  
            State & municipal                                                                             
            obligations              1,852,372    1,430,747    1,196,568                                  
            Federal Reserve stock                                                                         
            & corp. stock               10,800       10,800       10,800                                  
            Federal funds                                                                                 
            sold & securities                                                                             
            purchased u/a to                                                                              
            resell                   3,400,000    5,200,000    7,900,000                                  
            Net loans               14,470,239   12,813,498   11,013,761                                  
            Bank premises &                                                                               
            equipment                  285,455      242,245      209,999                                  
            Other assets               831,193      733,031      609,622                                  
            Total assets            26,374,313   26,432,171   28,057,362                                  
            Total deposits          23,598,064   23,760,548   25,357,602                                  
            Other liabilities          554,840      459,660      407,191                                  
            Total liabilities       24,152,904   24,220,208   25,764,793                                  
            Total equity capital     2,221,409    2,211,963    2,292,569                                  
            Total liabilities and                                                                         
            equity capital          26,374,313   26,432,171   28,057,362                                  
                                                                                                         
                  Western National Bank's income was uneven from 1982 to 1986.                            
            Its income dropped from the previous year in 1983 and 1985.                                   





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