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1.. <br />1 <br />1 <br />1 <br />1 <br />1 <br />1 <br />1 <br />1 <br />1 <br />1 <br />1 <br /> <br />FftEMONT NATIONAL BANK <br />TABLE OF CONTENTS <br />DECEMBER 31, ?000 AND 1999 <br />Independent Auditors' Report <br />Financial Statements: <br />Bahmce Sheets <br />Statements of Income <br />Statements of Changes in Stockholder's Equity <br />Statements of Cash Flows <br />Notes to Financial Statements <br />Page <br />I <br />2-3 <br />4 <br />5-6 <br />7-8 <br />9-30 <br />