select balance, note
  from table1 t1
 where account_id = '82620021' 
   and branch_id = '3'
   and transaction_date = 
         (select max(transaction_date)
            from table1 t2
           where t2.transaction_date <= to_date('19-AUG-2002', 'dd-mon-yyyy')
             and t2.account_id = t1.account_id
             and t2.branch_id = t1.branch_id);