first regional bancorp 2000 annual report we focus on the business of since 1979 bank has adhered to commitment which were founded serve needs with a complete spectrum superior personalized banking services most important do so from perspective an independent our goal is not be largest but responsive pride ourselves autonomy allows us make kind decisions that help customers shape strong financial future highlights 1999 1998 for year income before taxes 4 095 000 2 939 906 net 406 1 726 709 basic per share 0 89 61 66 diluted 59 62 average shares outstanding 691 832 595 710 926 764 at end assets 306 079 233 033 193 884 deposits 278 063 205 732 170 423 loans 231 557 121 816