(dollars in thousands, First Second  Third Fourth  except per share data) Quarter Quarter Quarter Quarter Year Ended December 31, 2002 Total interest income $22,174  $22,016  $21,720  $21,642  Total interest expense 7,723  7,078  6,710  6,447  Net interest income 14,451  14,938  15,010  15,195  Provision for loan losses 1,200  1,798  1,500  1,699  Net interest income after provision for loan losses 13,251  13,140  13,510  13,496  Noninterest income 3,587  4,942  4,733  4,604  Noninterest expense 10,321  11,195  11,299  11,217 Income before income taxes 6,517  6,887  6,944  6,883 Income tax expense  2,130  2,246  2,236  2,166  Net Income $ 4,387  $ 4,641  $ 4,708  $ 4,717 Earnings per share - basic $ 0.77 $ 0.81 $  0.83 $ 0.85 Earnings per share - diluted $ 0.72 $ 0.75 $  0.76 $ 0.79 Year Ended December 31, 2001 Total interest income $25,762  $25,824  $25,222  $ 23,560  Total interest expense 13,030  12,314  11,626  9,048  Net interest income 12,732  13,510  13,596  14,512  Provision for loan losses 714  896  1,088  2,348  Net interest income after provision for loan losses 12,018  12,614  12,508  12,164  Noninterest income 3,248  3,744  3,673  4,479  Noninterest expense 8,921  9,863  9,622  10,154  Goodwill amortization 798  792  784  777  Income before income taxes 5,547  5,703  5,775  5,712  Income tax expense  2,056  2,116  2,111  1,946  Net Income $ 3,491  $ 3,587  $ 3,664  $ 3,766  Earnings per share - basic $ 0.59 $ 0.61 $ 0.62 $ 0.66 Earnings per share - diluted $ 0.57 $ 0.58 $ 0.59 $ 0.63 60 NOTE 20 - QUARTERLY RESULTS OF OPERATIONS (unaudited):