A schedule of maturities of certificates of deposit is as follows: (dollars in thousands) Amount Year Ending December 31, 2003 $332,498 2004 62,450 2005 50,681 2006 13,136 2007 and thereafter 23,142 Total $481,907 (dollars in thousands) 2002 2001 Securities sold under agreements to repurchase  $21,803 $ 8,089 Federal Home Loan Bank advances 75,000 – Bank line of credit – 4,250 Total short-term borrowings $96,803 $12,339 (dollars in thousands) 2002 2001 2000 Outstanding at December 31 $96,803 $ 12,339 $ 54,000 Maximum month-end outstandings 96,803 52,058 88,500 Average daily outstandings 32,961 13,508 65,831 Average rate during the year 1.86% 4.57% 6.45% Average rate at year end 1.36% 2.57% 6.40% (dollars in thousands) 2002 2001 Federal Home Loan Bank notes at: 1.71 to 1.96% variable, 3 month LIBOR index $35,000 $ – 4.33 to 7.28% fixed 30,458 31,437 Junior Subordinated debt 10,000 – Total long-term debt $75,458 $31,437 Long-term debt at December 31, 2002 and 2001 is summarized as follows: The short-term borrowings at December 31, 2002 consist of FHLB advances with maturity terms of 2 days, at fixed interest rates ranging from 1.30% to 1.35%. The short-term borrowings at December 31, 2001 consist of a bank line of credit secured by stock of the Bank, with 90-day maturity terms, at fixed interest rates ranging from 2.90% to 3.38%.  Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature daily. Securities sold under agreements to repurchase are reflected at the amount of cash received in connection with the transaction. The Company may be required to provide additional collateral based on the fair value of the underlying securities. Short-term borrowings at December 31, 2002 and 2001 are summarized as follows: NOTE 8 – SHORT-TERM BORROWINGS:  NOTE 9 – LONG-TERM DEBT: 48