ARKANSAS		71-0556208
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification Number)

12615 CHENAL PARKWAY, LITTLE ROCK, ARKANSAS		72211
(Address of principal executive offices)		(Zip Code)

Class		Outstanding at September 30, 2002
Common Stock, $0.01 par value per share		7,696,960

				Page
PART I.		Financial Information
Item 1.		Consolidated Balance Sheets as of September 30, 2002 and 2001 and December 31, 2001		1
		Consolidated Statements of Income for the Three Months Ended September 30, 2002 and 2001 and the Nine Months Ended September 30, 2002 and 2001		2
		Consolidated Statements of Stockholders’ Equity for the Nine Months Ended September 30, 2002 and 2001		3
		Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2002 and 2001		4
		Notes to Consolidated Financial Statements		5
Item 2.		Management’s Discussion and Analysis of Financial Condition and Results of Operations		7
		Selected and Supplemental Financial Data		18
Item 3.		Quantitative and Qualitative Disclosures About Market Risk		20
Item 4.		Controls and Procedures		21
PART II.		Other Information
Item 1.		Legal Proceedings		22
Item 2		Change in Securities		22
Item 3.		Defaults Upon Senior Securities		22
Item 4.		Submission of Matters to a Vote of Security Holders		22
Item 5.		Other Information		22
Item 6.		Exhibits and Reports on Form 8-K		22
		(a).  Exhibits
		Reference is made to the Exhibit Index contained at the end of this report.
		(b).  Reports on Form 8-K		22
		Signature		23
		Certifications		23
		Exhibit Index		25

		September 30,								December 31,
		2002				2001				2001
ASSETS
Cash and due from banks		$	23,728			$	27,782			$	31,114
Interest-earning deposits			421				222				218
Trading account securities			—				165				—
Investment securities—available for sale			211,699				96,896				182,704
Investment securities—held to maturity			4,129				79,698				4,463
Loans, net of unearned income			686,840				572,896				616,076
Allowance for loan losses			(10,308	)			(7,754	)			(8,712	)
Net loans			676,532				565,142				607,364
Premises and equipment, net			36,641				32,865				33,123
Foreclosed assets held for sale, net			598				983				661
Interest receivable			6,058				6,916				5,821
Goodwill			1,808				1,830				1,808
Core deposit intangible, net			901				1,053				1,015
Other			2,493				2,106				3,088
Total assets		$	965,008			$	815,658			$	871,379
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits
Demand—non-interest bearing		$	87,504			$	68,273			$	72,801
Savings and interest-bearing transaction			280,398				194,454				241,042
Time			389,278				362,507				363,900
Total deposits			757,180				625,234				677,743
Repurchase agreements with customers			20,325				16,322				16,213
Other borrowings			97,140				98,075				99,690
Accrued interest and other liabilities			4,128				3,776				3,866
Total liabilities			878,773				743,407				797,512
Guaranteed preferred beneficial interest in the Company’s subordinated debentures			17,250				17,250				17,250
Stockholders’ equity
Preferred stock; $0.01 par value, 1,000,000 shares authorized, no shares issued and outstanding			—				—				—
Common stock; $0.01 par value, 10,000,000 shares authorized, 7,696,960, 7,563,910 (split adjusted) and 7,564,110 (split adjusted) shares issued and outstanding at September 30, 2002, September 30, 2001 and December 31, 2001, respectively			77				38				38
Additional paid-in capital			16,176				14,358				14,360
Retained earnings			51,347				40,588				42,718
Accumulated other comprehensive income (loss)			1,385				17				(499	)
Total stockholders’ equity			68,985				55,001				56,617
Total liabilities and stockholders’ equity		$	965,008			$	815,658			$	871,379

		Three Months Ended September 30,								Nine Months Ended September 30,
		2002				2001				2002				2001
Interest income
Loans		$	12,560			$	12,002			$	36,364			$	35,191
Investment securities—taxable			2,931				2,455				8,085				8,801
—nontaxable			128				321				480				1,165
Deposits with banks and federal funds sold			6				4				15				43
Total interest income			15,625				14,782				44,944				45,200
Interest expense
Deposits			3,437				5,690				10,782				20,593
Repurchase agreements with customers			70				118				205				459
Other borrowings			1,267				1,149				3,577				3,382
Total interest expense			4,774				6,957				14,564				24,434
Net interest income			10,851				7,825				30,380				20,766
Provision for loan losses			(1,080	)			(910	)			(2,575	)			(1,922	)
Net interest income after provision for loan losses			9,771				6,915				27,805				18,844
Other income
Trust income			177				142				501				489
Service charges on deposit accounts			1,770				979				5,081				2,740
Other income, charges and fees			938				571				2,323				1,780
Gain (loss) on sale of securities			—