Article: U.S.B. Holding Co., Inc., Union State Bank's Parent Company, Reports Earnings for the Nine Months Ended September 30, 2003 of $22.6 Million, an Increase of 21.3 Percent Over the Prior Year, and 2003 Third Quarter Earnings of $6.3 Million, a Decrease of 3.4 Percent Compared to the Prior Year.

Thomas E. Hales, Chairman of the Board of U.S.B. Holding Co., Inc. (the "Company") with consolidated assets of $2.99 billion, the parent company of Union State Bank (the "Bank"), today announced that the Company's net income for the nine months ended September 30, 2003 was $22.6 million compared to $18.6 million for the nine months ended September 30, 2002, an increase of 21.3 percent. Diluted earnings per common share was $1.13 for the nine months ended September 30, 2003, compared to $0.93 per common share in the prior year period, an increase of 21.5 percent, reflecting higher net income. The Company's record net income for the nine months ended September 30, 2003 ...

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