BUSINESS ANALYSIS DECADAL
: GABC is a multi-bank holding company organized in indiana in 1982. For 3 months ended 03/31/00, interest income rose 12% to $18.2M. Net interest income after loan loss provision rose 3% to $7.7M. Net income fell 8% to $2M. Net interest income reflect growth in loan volume, partially offset by higher interest on FHLB and other borrowings. Earnings were offset by higher salaries and employee benefits expenses.