content_image/77162.jpg content_image/77166.jpg
Certificates had the following remaining maturities at December 31, 2002: 

<img src='content_image/77162.jpg'>

(1) Includes no brokered deposits. 

## 12. Short-term Borrowings 

The following table sets forth selected information for short-term borrowings (borrowings with an original maturity of less than one year) for each of the years in the three year period ended December 31, 2002: 

<img src='content_image/77166.jpg'>

N.A. Not applicable. 

