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F & M COMMUNITY BANK, N.A., Changes in Bank Equity Capital
| 2001-12-31 | Rank | |
| Amended balance at previous year-end | $1,931,000 | 8,977 |
| Restatements from amended reports of income, net | $0 | 218 |
| Net income | $-41,000 | 8,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net treasury stock transactions | $0 | 26 |
| Changes incidental to business combinations, net | $0 | 313 |
| Cash dividends declared on preferred stock | $0 | 114 |
| Cash dividends declared on common stock | $0 | 6,575 |
| Other comprehensive income | $2,000 | 6,496 |
| Other transactions with parent holding company | $0 | 834 |
| Bank equity capital | $1,892,000 | 9,186 |
| 2000-12-31 | Rank | |
| Amended balance at previous year-end | $0 | 9,677 |
| Restatements from amended reports of income, net | $0 | 157 |
| Net income | $-147,000 | 9,316 |
| Sale, conversion, retirement of capital stock, net | $2,077,000 | 351 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 347 |
| Cash dividends declared on preferred stock | $0 | 119 |
| Cash dividends declared on common stock | $0 | 6,812 |
| Other comprehensive income | $1,000 | 7,638 |
| Other transactions with parent holding company | $0 | 807 |
| Bank equity capital | $1,931,000 | 9,394 |