UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K

ANNUAL REPORT UNDER SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the Fiscal Year Ended Dec. 31, 2001
Commission File Number 0-14773

NATIONAL BANCSHARES CORPORATION

Ohio
State of incorporation 34-1518564
I.R.S. Employer
Identification No.

112 West Market Street, Orrville, Ohio 44667
Address of principal executive offices

Registrant’s telephone number: (330) 682-1010

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to section 12(g) of the Act:

Common Stock, No Par Value
Title of Class

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes    X   . No        .

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.      X     

State the aggregate market value of the voting stock held by non-affiliates of the registrant as of March 1, 2002: $33,204,292.

Indicate the number of shares outstanding of each of the registrant’s classes of common stock, as of March 1, 2002.

Common Stock, No Par Value: 2,224,306

Documents Incorporated by Reference:

–     Portions of the registrant’s Proxy Statement dated March 22, 2002 and previously filed March 21, 2002, are incorporated by reference into Part III.
–     Portions of the registrant’s Annual Report to Shareholders, December 31, 2001 are incorporated by reference in Parts I, II, IV.

PAGE 1

TABLE OF CONTENTS

	Item 1 — Business:
	Item 2 — Properties:
	Item 3 — Legal Proceedings
	Item 5 — Number of shareholders of common stock
	Item 7 — Liquidity Management
	Item 10 — Executive Officers
EX-13 Annual Report to Shareholders
EX-23 Consent of Crowe, Chizek and Co. LLP

Form 10-K Cross Reference Index			Page
Part I
	Item 1 — Business
		Description of Business		4
		Financial Ratios — Note 1		A23
		Daily Average Balance Sheets, Interest and Rates — Note 1		A22
		Volume and Rate Variance Analysis		6
		Investment Portfolio		7
		Loan Portfolio		8
		Summary of Loan Loss Experience		9
		Deposits		10
	Item 2 — Properties			5
	Item 3 — Legal Proceedings			5
	Item 4 — Submission of Matters to a Vote of Security Holders — None
Part II
	Item 5 — Market for the Registrant’s Common Equity and Related Stockholder Matters — Note 1 Number of shareholders of common stock			A9 5
	Item 6 — Selected Financial Data — Note 1			A23
	Item 7 — Management’s Discussion and Analysis of Financial Condition and Results of Operation — Note 1 - Liquidity Management			A4-8 5
	Item 7A — Quantitative and Qualitative Disclosures About Market Risk (See Asset and Liability Management) — Note 1			A7-8
	Item 8 — Financial Statements — Note 1			A10-21
	Item 9 — Changes in and Disagreements with Accountants on Accounting and Financial Disclosure — None
Part III
	Item 10 — Directors of the Registrant — Note 2 Executive Officers of the Registrant			B3 5-6
	Item 11 — Executive Compensation — Note 2			B6
	Item 12 — Security Ownership of Certain Beneficial Owners and Management — Note 2			B3
	Item 13 — Certain Relationships and Related Transactions — Note 2			B9
Part IV
	Item 14 — Exhibits, Financial Statement Schedules and Reports on Form 8-K
		Report of Crowe, Chizek and Company LLP, Independent Auditors — Note 1		A21
		Financial Statements: — Note 1
		Consolidated Balance Sheets as of December 31, 2001 and 2000		A10
		Consolidated Statements of Income for the Years Ended December 31, 2001, 2000 and 1999		A11
		Consolidated Statements of Cash Flows for the Years Ended December 31, 2001, 2000 and     1999		A13
		Consolidated Statements of Changes in Shareholders’ Equity for the Years Ended December 31,     2001, 2000 and 1999		A12
		Notes to Financial Statements — Note 1		A14-21
		Reports on Form 8-K filed in fourth quarter of 2001: None
		Exhibit Table		13
Signatures				11-12
Appendix A — National Bancshares 2001 Annual Report to Shareholders				A

PAGE 2

Note 1 —	Incorporated by reference from the registrant’s Annual Report to Shareholders for the year ended December 31, 2001 — Appendix A
Note 2 —	Incorporated by reference from the registrant’s proxy statement dated March 22, 2002 previously filed with the SEC on March 21, 2002

PAGE 3

Item 1 — Business:
National Bancshares Corporation (the “Company”), incorporated in 1985, is a one-bank holding company for First National Bank, Orrville, Ohio (the “Bank”). The formation was approved by shareholders on April 24, 1986 and consummated on June 2, 1986. The Bank offers a full line of services usually found in any commercial bank operation, including checking accounts, savings accounts, certificates of deposit, personal loans, loans to business and industry, installment loans, safety deposit boxes and credit cards. While the Company’s chief decision-makers monitor the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one reportable operating segment. The Bank does not have trust powers and, therefore, does not offer trust services. The Bank operates ten full service offices and one limited service office in a market area comprising most of Wayne County, portions of western Stark County, northeastern Holmes County and southern Medina County. There are approximately 15 other banking and thrift organizations in the immediate market area. The Bank also competes with insurance companies, consumer finance companies, credit unions, mortgage banking companies, and commercial finance and leasing companies. In addition, money market mutual funds and brokerage houses provide many of the financial services offered by the Bank. The principal methods of competition are the rates of interest charged and paid for loans and deposits, fees charged for services, the quality of services provided and the convenience of banking hours and branch locations. No major elimination of services presently offered is anticipated in the immediate future.

Lending policies of the Bank follow the guidelines set forth in the Bank’s Credit Policy, which is approved by the Board of Directors on an annual basis. The Credit Policy designates lending authority for the Chief Executive Officer, Senior Vice President, Chief Loan Officer and all loan officers. The Credit Policy also sets forth the maximum aggregate amount that may be loaned to any one customer. Guidelines are established for credit types, loan mix, concentration of credit and credit standards. Collateral is generally obtained on loans and an appraisal is required to determine the value of the collateral. For real estate loans, guidelines have been established for maximum loan-to-value ratios. Guidelines are also established for the term of the loan, which must coincide with the credit purpose and life of the collateral. In addition to the Credit Policy, the Bank has established a series of control procedures to monitor the overall credit quality of the loan portfolio. These controls include checklists, loan diaries, annual loan reviews of all loans over $75,000 (excluding first mortgage loans), monthly board reports of problem loans, and a monthly review and determination of the adequacy of the allowance for loan losses.

Management estimates the allowance for loan loss balance required using past loss experience, risks in the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors.

The Bank is a member of the Federal Reserve System and its deposits are insured by the Federal Deposit Insurance Corporation. It is subject to supervision, examination and regulation by the Comptroller of the Currency. The Company is also subject to supervision, examination and regulation by the Federal Reserve System. Management is not currently aware of any regulatory recommendations which, if they were to be implemented, would have a material effect on the registrant.

On November 12, 1999, President Clinton signed into law the Gramm-Leach-Bliley Act, which, effective March 11, 2000, permits bank holding companies to become financial holding companies and thereby affiliate with securities firms and insurance companies, and engage in other activities that are financial in nature. A bank holding company may become a financial holding company if each of its subsidiary banks is well capitalized under regulatory prompt corrective action provisions, is well managed, and has at least a satisfactory rating under the Community Reinvestment Act (CRA) by filing a declaration that the bank holding company wishes to become a financial holding company. No regulatory approval will be required for a financial holding company to acquire a company, other than a bank or savings association, engaged in activities that are financial in nature or incidental to activities that are financial in nature, as determined by the Federal Reserve Board.

PAGE 4

The Gramm-Leach-Bliley Act defines “financial in nature” to include securities underwriting, dealing and market making; sponsoring mutual funds and investment companies; insurance underwriting and agency; merchant banking activities; and activities that the Board has determined to be closely related to banking. Subsidiary banks of a financial holding company must continue to be well capitalized and well managed in order to continue to engage in activities that are financial in nature without regulatory actions or restrictions, which could include divestiture of the financial in nature subsidiary or subsidiaries. In addition, a financial holding company or a bank may not acquire a company that is engaged in activities that are financial in nature unless each of the subsidiary banks of the financial holding company or the bank has a CRA rating of satisfactory or better. The Company is not a financial holding company.

Item 2 — Properties:
The headquarters of the Company and the Bank are located in Orrville, Ohio. The Bank has a total of eleven banking office buildings which are located in Orrville, Dalton, Kidron, Smithville, Mt. Eaton, Apple Creek, Lodi, Wooster and Seville, Ohio. All buildings are owned by the Bank with the exception of the Seville Office which is a leased facility.

Item 3 — Legal Proceedings
There were no legal proceedings during 2001, other than ordinary routine litigation which was incidental to business and which was not material.

Item 5 — Number of shareholders of common stock
The Company had 987 shareholders of common stock as of March 13, 2002. Price ranges of the Company’s common stock for 2001 and 2000 are reported in the Annual Report to Shareholders (Appendix A, Page 9). A local broker that deals in the Company’s stock supplied the stock prices.

Item 7 — Liquidity Management
Additional information regarding liquidity can be found in the Annual Report to Shareholders, (Appendix A, Page 6). Effective liquidity management ensures the cash flow requirements of depositors and borrowers, as well as the operating cash needs of the Corporation, are met.

Funds are available from a number of sources, including the securities portfolio, the core deposit base, the ability to acquire large deposits, short-term funding arrangements with correspondent banks and the Federal Home Loan Bank, and the capability to package loans for sale. On December 31, 2001, the Corporation had $2.2 million in advances from the Federal Home Loan Bank. No borrowings have occurred under the short-term funding arrangements with correspondent banks.

The Corporation’s major source of funding to meet its liquidity requirements is dividends and return of investment from its subsidiary, First National Bank. Information regarding dividends paid by the Bank to the Corporation and dividend restrictions is located in the consolidated financial statements and note 11,of the Annual Report to Shareholders. As discussed in note 17 of the Annual Report to Shareholders, the Corporation has a pending acquisition, valued at $15.1 million that is expected to close in the second quarter of 2002. To facilitate the funding of the acquisition, the Corporation has received approval from the regulators of a special dividend from the Bank to the Corporation.

Item 10 — Executive Officers
The Executive Officers of the Company are as follows:

Name	Age		Position
Charles J. Dolezal		48	President President of First National Bank
Kenneth R. VanSickle		54	Senior V.P., Secretary Senior V.P., Chief Loan Officer of First National Bank
Lawrence M. Cardinal, Jr.		50	Vice President, Treasurer Vice President & Controller of First National Bank

PAGE 5

There is no family relationship between any of the above executive officers. Mr. Dolezal has been an executive officer of the Company since its formation in 1986 and the President of the Bank since 1981. Mr. VanSickle was appointed Senior V.P., Secretary of the Company on April 24, 1997 and has been a senior loan officer of the Bank since 1986. Mr. Cardinal was appointed Vice President, Treasurer of the Company and Vice President & Controller of the Bank on April 24, 1997. Mr. Cardinal previously worked as an audit manager for the CPA firm of Reinhard, Kopko and Keller from 1995 to 1997.

VOLUME AND RATE VARIANCE ANALYSIS
The following table represents a summary analysis of changes in interest income, interest expense and the resulting net interest income on a tax equivalent basis for the periods presented. Volume is based on daily average balances. Changes not associated with either rate or volume are reflected as a rate change.

	2001 versus 2000									2000 versus 1999
	Increase (Decreases)									Increase (Decreases)
	Due to Changes In									Due to Changes In
							Net									Net
(Dollars in thousands)	Volume			Rate			Change			Volume			Rate			Change
Interest Income
Investment securities:
Taxable	$	(130	)	$	(128	)	$	(258	)	$	(37	)	$	7		$	(30	)
Nontaxable		(206	)		(40	)		(246	)		(76	)		5			(71	)
(tax equivalent basis)*
Federal funds sold		187			(181	)		6			(219	)		79			(140	)
Interest bearing deposits											53			1			54
Loans (including Nonaccrual loans)		492			(735	)		(243	)		631			364			995
Total interest Income (tax equivalent basis)*	$	343		$	(1,084	)	$	(741	)	$	352		$	456		$	808
Interest Expense
Deposits
Interest bearing checking	$	(13	)	$	(90	)	$	(103	)	$	(17	)	$	(21	)	$	(38	)
Savings		73			(26	)		47			(60	)		2			(58	)
Time, $100,000 and over		(70	)		(111	)		(181	)		(63	)		218			155
Time, other		73			(57	)		16			213			155			368
Other borrowed funds		(102	)		(133	)		(235	)		101			133			234
Total interest expense	$	(39	)	$	(417	)	$	(456	)	$	174		$	487		$	661
Changes in net Interest income (tax
equivalent basis)*	$	382		$	(667	)	$	(285	)	$	178		$	(31	)	$	147

* Tax equivalence based on highest statutory tax rates of 34%.

PAGE 6

INVESTMENT PORTFOLIO

The carrying amounts and distribution of the Company’s securities held at year-end 2001 and 2000 are summarized in the Annual Report to Shareholders (Appendix A, Page 16, Note 2). The carrying amount, maturities and approximate weighted average yields (on a tax equivalent basis) of debt securities at December 31, 2001 and the carrying amounts and fair values as of December 31, 1999 are as follows:

INVESTMENT PORTFOLIO
December 31, 2001
(Dollars in thousands)

	Total					0 to 1 Year					1 to 5 Years					5 to 10 Years					Over 10 years
	Amount		Yield			Amount		Yield			Amount		Yield			Amount		Yield			Amount		Yield
Available for Sale:
U.S. Government and federal agency	$	16,568		6.7	%	$	2,020		6.2	%	$	4,025		6.7	%	$	9,296		6.7	%	$	1,227		7.0	%
State & political Subdivisions		2,341		7.8	%																	2,341		7.8	%
Other securities		26,327		6.7	%		2,635		6.3	%		13,718		6.7	%		9,169		6.9	%		805		6.9	%
Total	$	45,236		6.8	%	$	4,655		6.3	%	$	17,743		6.7	%	$	18,465		6.8	%	$	4,373		7.4	%
Held to Maturity:
State & political Subdivisions	$	13,334		8.3	%	$	1,629		7.6	%	$	3,971		9.2	%	$	2,793		8.2	%	$	4,941		7.9	%

There was no single issuer of securities where the total book value of such securities exceeded 10% of shareholders’ equity except for US government and agency obligations in any periods presented.

				December 31, 1999
				Gross		Gross
(Dollars in thousands)		Carrying		Unrealized		Unrealized			Fair
		Value		Gains		Losses			Value
Available for Sale:
U.S. Government and federal agency		$	6,964			$	(164	)	$	6,800
State and municipal			2,805	$	26		(105	)		2,726
Corporate bond and notes			8,586		1		(243	)		8,344
	Total debt securities		18,355		27		(512	)		17,870
Equity securities			2,281		20		(633	)		1,668
	Total	$	20,636	$	47	$	(1,145	)	$	19,538
Held to Maturity:
U.S. Government and federal agency		$	19,327	$	134	$	(579	)	$	18,882
State and municipal			17,774		392		(230	)		17,936
Mortgage-backed			927		21		(4	)		944
Corporate bond and notes			12,648		25		(299	)		12,374
	Total	$	50,676	$	572	$	(1,112	)	$	50,136

PAGE 7

LOAN PORTFOLIO
The detail of the loan portfolio balances for year-end 2001 and 2000 is included in the Annual Report to Shareholders (Appendix A, Page 16, Note 3). The detail of the loan portfolio balances for year-end 1999, 1998 and 1997 is as follows:

(Dollars in thousands)		1999			1998			1997
Collateralized by real estate:
	Commercial	$	25,031		$	25,173		$	22,935
	Residential		39,207			33,045			29,173
	Home equity		6,334			5,284			2,537
	Construction		1,225			1,212			1,918
			71,797			64,714			56,563
Consumer			7,847			8,843			8,642
Commercial			17,852			16,577			11,923
Credit cards			1,207			1,130			1,043
Other			2,453			2,402			1,728
			101,156			93,666			79,899
Unearned and deferred income			(163	)		(161	)		(196	)
Unamortized discount on purchased loans			(153	)		(171	)		(213	)
			100,840			93,334			79,490
Allowance for loan losses			(1,309	)		(1,297	)		(1,232	)
		$	99,531		$	92,037		$	78,258

MATURITIES AND SENSITIVITIES OF LOANS TO CHANGES IN INTEREST RATES
The following are approximate maturities and sensitivity to changes in interest rates of certain loans exclusive of real estate mortgages and consumer loans as of December 31, 2001.

Types of Loans
(Dollars in Thousands)	0 to 1 Year		1 to 5 Years		5 and Over Years		Total
Commercial	$	7,024	$	4,522	$	6,505	$	18,051
Real Estate Construction	$	1,099	$	896	$	2,774	$	4,769
Above loans due beyond 1 year with:
Predetermined interest rates							$	4,094
Adjustable interest rates							$	10,603

NONACCRUAL AND PAST DUE LOANS
Generally, recognition of interest income is discontinued where reasonable doubt exists as to the collectability of the interest. Income from non-accrual loans is recorded when received. The difference between interest income recognized on such loans and income that would have been recognized at original contractual rates is immaterial. The bank generally places loans on a non-accrual status when a default of principal or interest has existed for 90 days or more. The bank generally does not renegotiate loans due to deterioration in the financial position of the borrower. The amounts of renegotiated loans are not considered material and are not considered impaired.

(Dollars in Thousands)	12/31/01		12/31/00		12/31/99		12/31/98		12/31/97
90 Days Past Due and Accruing	$	148	$	112	$	225	$	141	$	126
Nonaccruing Loans	$	259	$	144	$	250	$	168	$	427

PAGE 8

POTENTIAL PROBLEM LOANS
Management reviews the loan portfolio for potential problem loans on a monthly basis. The following loans were classified by management, which excludes the above non-accrual loan totals. The amount shown below is the outstanding loan balance, which has not been reduced by collateral values. There were no other assets which management believes should be reported in the table above or the items below.

(Dollars in Thousands)		12/31/01
Loss	$	2
Doubtful		92
Substandard		3,504
OAEM		0
Watch		0
Total	$	3,598

FOREIGN LOANS
There were no foreign loans in any periods presented.

LOAN CONCENTRATIONS
Due to the nature of our market area, there are no significant loan concentrations of 10% of total loans to borrowers engaged in similar activities other than noted in the loan categories disclosed in the Annual Report to Shareholders (Appendix A, Page 16, Note 3).

SUMMARY OF LOAN LOSS EXPERIENCE
The determination of the balance of the allowance for loan losses historically has been based on an overall analysis of the loan portfolio and reflects an amount, which, in management’s judgment, is adequate to provide for probable loan losses. This analysis considers, among other things, the Company’s loan loss experience, present risks of the loan portfolio and general economic conditions. In addition, management considers the examinations of the loan portfolio by federal regulatory agencies and internal reviews and evaluations. The Company’s allocation of the allowance for loan losses by category represents only an estimate for each category of loans based upon a detailed review of the loan portfolio by management.

Transactions in the allowance for loan losses are maintained by three major loan categories and the summary of such transactions for the periods indicated follows:

CHANGES IN ALLOWANCE
FOR LOAN LOSSES
(Dollars in Thousands)		2001			2000			1999			1998			1997
Balance at the beginning of period		$	1,343		$	1,309		$	1,297		$	1,232		$	1,151
Loans charged off:
	Commercial & industrial		39			9			58			34			34
	Real estate mortgages		20			—			—			11			19
	Consumer		27			48			88			90			38
Total loans charged off			86			57			146			135			91
Recoveries of loans charged off:
	Commercial & industrial		1			2			13			7			1
	Real estate mortgages		1			1			6			45			30
	Consumer		22			26			19			28			21
Total recoveries			24			29			38			80			52
Net loans charged off			62			28			108			55			39
Provision charged to
	operating expense		40			62			120			120			120
Balance at end of period		$	1,321		$	1,343		$	1,309		$	1,297		$	1,232
Net charge-offs to average loans			0.06	%		0.03	%		0.11	%		.07	%		.05	%

PAGE 9

DISTRIBUTION OF ALLOWANCE FOR
LOAN LOSSES BY CATEGORY
(Dollars in thousands)	December 31, 2001					December 31, 2000					December 31,1999
			% of					% of					% of
	Amount		Total Loans			Amount		Total Loans			Amount		Total Loans
Commercial & industrial	$	963		17	%	$	409		20	%	$	305		20	%
Real estate construction		7		4	%		3		1	%		12		1	%
Real estate mortgages		220		73	%		355		71	%		398		70	%
Consumer loans		121		6	%		258		8	%		140		9	%
Unallocated		10		N/A			318		N/A			454		N/A
TOTAL	$	1,321		100	%	$	1,343		100	%	$	1,309		100	%

	December 31, 1998					December 31, 1997
			% of					% of
	Amount		Total Loans			Amount		Total Loans
Commercial & industrial	$	345		20	%	$	91		16	%
Real estate construction		12		1	%		0		2	%
Real estate mortgages		222		68	%		18		70	%
Consumer loans		152		11	%		11		12	%
Unallocated		566		N/A			1,112		N/A
TOTAL	$	1,297		100	%	$	1,232		100	%

DEPOSITS

The classification of average deposits and the average rate paid on such deposits for periods ending December 31, 2001, 2000 and 1999 is included in Analysis of Net Interest Earnings included in the Annual Report to Shareholders (Appendix A, Page 22).

A summary of maturities of time deposits of $100,000 or more is as follows:

	12/31/01
Three months or less	$	5,805,976
Over 3 months through 6 months		770,762
Over 6 months through 12 months		1,930,210
Over 12 months		944,131
	$	9,451,079

PAGE 10

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

		NATIONAL BANCSHARES CORPORATION
DATE:	3-19-02	/s/ Charles J. Dolezal Charles J. Dolezal, President
DATE:	3-19-02	/s/ Lawrence M. Cardinal, Jr. Lawrence M. Cardinal, Jr., V.P., Treasurer (Principal Financial Officer)

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

DATE:	3-19-02	/s/ Charles J. Dolezal Charles J. Dolezal, Chairman
DATE:	3-19-02	/s/ Sara Balzarini Sara Balzarini, Director
DATE:	3-19-02	/s/ Bobbi Douglas Bobbi Douglas, Director
DATE:	3-19-02	/s/ John W. Kropf John W. Kropf, Director
DATE:
		Steve Schmid, Director
DATE:	3-19-02	/s/ John E. Sprunger John E. Sprunger, Director

PAGE 11

DATE:
		Howard J. Wenger, Director
DATE:	3-19-02	/s/ James F. Woolley James F. Woolley, Director
DATE:
		Albert Yeagley, Director

PAGE 12

EXHIBIT INDEX

Exhibit No.				If incorporated by Reference,
Under Reg.		Form 10-K		Documents with Which Exhibit
S-K, Item 601		Exhibit No.	Description of Exhibits	was Previously Filed with SEC
(3)(i)			Amended Articles of Incorporation	Registration Statement S-4 filed 3/31/86 File No. 33-03711
(3)(ii)			Code of Regulations	Registration Statement S-4 filed 3/31/86 File No. 33-03711
(10.1)			Directors Defined Benefit Plan Agreement	Annual Report 10-K filed 3/29/01 File No. 000-14773
(10.2)			Special Separation Agreement	Annual Report 10-K filed 3/29/01 File No. 000-14773
(10.3)			Agreement and Plan of Merger, dated as of October 2, 2001, between National Bancshares Corporation and Peoples Financial Corporation	Form 8-K filed 10/3/01 File No. 000-14773
(11)	A23		Computation of Earnings per Share	Incorporated by reference
(12)	A23		Computation of Ratios	Incorporated by reference
(13)	A		2001 Annual Report to Shareholders	Incorporated by reference
(21)	A1		Subsidiaries of the registrant	Incorporated by reference
(23)			Consent of Crowe, Chizek and Co. LLP

No other exhibits are required to be filed herewith pursuant to Item 601 of Regulation S-K.

PAGE 13