Pacific Liberty Bank

The Huntington Beach bank reported net income of $227,000, or 40 cents a share, for the fourth quarter, contrasted with a net loss of $175,000, or 31 cents a share, for the same quarter of 1999. Net income for the year totaled $406,000, or 72 cents a share, contrasted with a year-earlier net loss of $499,000, or 89 cents a share, for 1999. Total assets grew 78% to $38 million.