South Carolina		74-2235055
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

Class		Outstanding at November 14, 2002
Common stock, $5.00 par value		6,303,778

						Page No.
		PART I.    FINANCIAL INFORMATION
		Item 1.		Financial Statements
				Consolidated Balance Sheets at September 30, 2002 and 2001 and December 31, 2001		1
				Consolidated Statements of Income for the three months ended September 30, 2002 and 2001		2
				Consolidated Statements of Income for the nine months ended September 30, 2002 and 2001		3
				Consolidated Statements of Changes in Shareholders’ Equity and Comprehensive Income for the nine months ended September 30, 2002 and 2001		4
				Consolidated Statements of Cash Flows for the nine months ended September 30, 2002 and 2001		5
				Notes to the Consolidated Interim Financial Statements		6
		Item 2.		Management’s Discussion and Analysis of Financial Condition and Results of Operations		8
		Item 3.		Quantitative and Qualitative Disclosures About Market Risk		28
		Item 4.		Controls and Procedures		30
		PART II.    OTHER INFORMATION
		Item 1.		Legal Proceedings		31
		Item 2.		Changes in Securities and Use of Proceeds		31
		Item 3.		Defaults Upon Senior Securities		31
		Item 4.		Submission of Matters to a Vote of Security Holders		31
		Item 5.		Other Information		31
		Item 6.		Exhibits and Reports on Form 8-K		31
SIGNATURES						32
CERTIFICATIONS PURSUANT TO 15 U.S.C. SECTION 7241						33

		September 30, 2002				September 30, 2001				December 31, 2001
		(unaudited)				(unaudited)
ASSETS
Cash and due from banks		$	40,120			$	31,985			$	27,742
Federal funds sold			29,840				1,760				17,949
Federal Home Loan Bank (FHLB) stock, at cost			1,733				1,733				1,733
Investment securities available for sale			97,074				97,266				95,095
Loans held for sale			8,747				5,346				10,054
Loans			599,594				546,626				553,821
Less allowance for loan losses			(6,252	)			(5,611	)			(5,658	)
Loans, net			602,089				546,361				558,217
Premises and equipment, net			19,726				18,551				19,175
Accrued interest receivable			4,535				5,043				4,947
Other assets			14,104				11,257				10,421
Total assets		$	809,221			$	713,956			$	735,279
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Deposits
Noninterest-bearing		$	113,887			$	100,606			$	102,679
Interest-bearing			590,333				522,850				542,621
Total deposits			704,220				623,456				645,300
Securities sold under agreements to repurchase			17,314				14,605				15,313
Commercial paper (Master notes)			16,226				12,907				11,076
Other liabilities			5,314				4,812				4,522
Total liabilities			743,074				655,780				676,211
Shareholders' Equity
Common stock—par value $5.00 per share; authorized 10,000,000 shares; issued and outstanding 6,303,778, 6,264,734, and 6,283,623 shares, respectively			31,519				31,324				31,418
Capital surplus			84				47				26
Retained earnings			32,577				25,628				27,386
Accumulated other comprehensive income			1,967				1,177				238
Total shareholders' equity			66,147				58,176				59,068
Total liabilities and shareholders' equity		$	809,221			$	713,956			$	735,279

		For the three months ended September 30,
		2002				2001
Interest income
Interest and fees on loans		$	10,584			$	11,126
Interest and dividends on investment securities available for sale:
U.S. Treasury and U.S. Government agencies			470				146
State and municipal			412				674
Mortgage-backed securities			89				284
Interest on federal funds sold			96				82
Dividends on FHLB stock			22				29
Total interest income			11,673				12,341
Interest expense
Interest on deposits			2,898				4,600
Interest on securities sold under agreements to repurchase			48				82
Interest on federal funds purchased			—				5
Interest on commercial paper (Master notes)			44				80
Total interest expense			2,990				4,767
Net interest income			8,683				7,574
Provision for loan losses			1,200				900
Net interest income after provision for loan losses			7,483				6,674
Noninterest income
Service charges on deposit accounts			2,052				1,911
Fees for trust services			415				427
Gains on sales of loans			146				204
Investment securities gains			114				—
Other income			715				690
Total noninterest income			3,442				3,232
Noninterest expense
Salaries and other personnel			3,854				3,562
Net occupancy			563				523
Furniture and equipment			698				614
FDIC assessment			19				28
Postage and supplies			397				293
Marketing and advertising			180				201
Telephone			204				196
Cardholder processing expense			132				135
Sales finance losses			(1	)			2
Other expense			1,366				1,278
Total noninterest expense			7,412				6,832
Income before income taxes			3,513				3,074
Income tax provision			1,184				882
Net income		$	2,329			$	2,192
Net income per share-basic		$	0.37			$	0.35
Net income per share-dilutive			0.36				0.34
Cash dividends declared per share			0.11				0.10

For the nine months ended September 30,