X0202 3 2001-07-16 0 0001035770 VAIL BANKS INC VAIL 0001321414 Ferguson Paul M 0015 BENCHMARK ROAD, SUITE 300 AVON CO 81620 0 1 0 0 SEVP/CCO Common Stock 14068 D Common Stock 775 I 401(k) Includes 10,000 restricted stock award. Paul M. Ferguson 2005-03-25