Betzold Berg Investment Portfolio Index.

The Betzold Berg Portfolio Index represents the current value, including market value and income reinvestment, for an "average" bank portfolio. The index is normalized to a value of 100 as of Dec. 31, 1996. Changes in this value over time can be translated into total returns. Portfolio managers

                              Dec. 31   Dec. 31  Dec. 31  Dec. 31
                               1993:     1994:    1995:    1996:
Betzold Berg Invest.
  Portfolio Index             85.024     85.679    94.958   100
Period Total Return                       0.77%    10.83%   5.31%
Annualized Per Tot. Return                0.77%    10.83%   5.31%
Annualized Year-to-date
  Total Return

                             1st QTR    2nd QTR
                               `97        `97
Betzold Berg Invest.
  Portfolio Index            100.708    103.057
Period Total Return             .71%      2.338%
Annualized Per Tot. Return     2.86%      9.67%
Annualized Year-to-date        2.86%      6.21%
  Total Return

                             3rd QTR    4th QTR    December
                               `97       `97         Index
Betzold Berg Invest.
  Portfolio Index            105.001    106.333     106.333
Period Total Return            1.89%      1.27%       0.63%
Annualized Per Tot. Return      7.76%     5.17%       7.83%
Annualized Year-to-date         6.72%     6.33%       6.33%
  Total Return