4th qtr    Shr 15 cts vs eight cts
    Net 1,800,000 vs one mln
    Year
    Shr 51 cts vs 1.10 dlrs
    Net 6,200,000 vs 13.2 mln
    NOTE: Net includes loan loss provisions of 14 cts shr vs 18
cts in quarter and 24 cts shr vs 36 cts in year.
 Reuter
