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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0001104659-01-503185.txt : 20020410
<SEC-HEADER>0001104659-01-503185.hdr.sgml : 20020410
ACCESSION NUMBER:		0001104659-01-503185
CONFORMED SUBMISSION TYPE:	10-Q
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20010930
FILED AS OF DATE:		20011114

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			INTERNATIONAL BANCSHARES CORP
		CENTRAL INDEX KEY:			0000315709
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				742157138
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-Q
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-09439
		FILM NUMBER:		1786766

	BUSINESS ADDRESS:	
		STREET 1:		12OO SAN BERNARDO AVE
		STREET 2:		PO BOX 1359
		CITY:			LAREDO
		STATE:			TX
		ZIP:			78040-1359
		BUSINESS PHONE:		9567227611

	MAIL ADDRESS:	
		STREET 1:		P O BOX 1359
		STREET 2:		1200 SAN BERNARDO
		CITY:			LAREDO
		STATE:			TX
		ZIP:			78040
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>1
<FILENAME>j1963_10q.htm
<DESCRIPTION>10-Q
<TEXT>
<html>



<head>



<title>Prepared by MERRILL CORPORATION</title>



</head>



<body style="text-justify-trim:punctuation">



<div class="Section1">



<div style="border:none;border-top:double windowtext 9.0pt;padding:0in 0in 0in 0in">



<p style="border:none;font-family:Courier;font-size:10.0pt;font-weight:bold;line-height:normal;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;padding:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></b></p>



</div>



<p style="font-family:Courier;font-size:10.0pt;font-weight:bold;line-height:normal;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">&nbsp;</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;font-weight:bold;line-height:normal;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="5" face="Times New Roman"><font style="font-size:18.0pt;font-family:'Times New Roman'">FORM 10-Q</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="5" face="Times New Roman"><font style="font-size:18.0pt;

font-family:'Times New Roman';font-weight:bold">SECURITIES AND EXCHANGE

COMMISSION</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">Washington, D.C.

20549</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">(Mark One)</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:12.95pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-12.95pt;"><font size="2" face="Wingdings"><font style="font-size:10.0pt;font-family:Wingdings;">&#253;</font></font><font face="Times New Roman"><font style="font-family:'Times New Roman'">&#160; </font></font><b><font size="3" face="Times New Roman"><font style="font-size:12.0pt;

font-family:'Times New Roman';font-weight:bold">QUARTERLY REPORT PURSUANT TO

SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">For the quarterly

period ended September 30, 2001</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">OR</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:13.3pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-13.3pt;"><font size="2" face="Wingdings"><font style="font-size:10.0pt;font-family:Wingdings;">o</font></font> <b><font size="3" face="Times New Roman"><font style="font-size:12.0pt;font-family:'Times New Roman';

font-weight:bold">T</font></font></b><b><font size="3" face="Times New Roman"><font style="font-size:12.0pt;font-family:'Times New Roman';

font-weight:bold">RANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Courier"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">For the transition

period from _____to _____</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">&nbsp;</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">Commission file

number 0-9439</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="5" face="Times"><font style="font-size:18.0pt;font-family:

Times;font-weight:bold">INTERNATIONAL

BANCSHARES CORPORATION</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;(Exact name of registrant as specified in its charter)</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<div align="center">



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">Texas</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">74-2157138</font></font></b></p>

  </td>

 </tr>

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(State or other jurisdiction of</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(I.R.S. Employer Identification No.)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">incorporation or organization)</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:.5in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:.5in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:.5in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="100%" colspan="3" valign="top" style="width:100.0%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">1200 San Bernardo

  Avenue, Laredo, Texas 78042-1359</font></font></b></p>

  </td>

 </tr>

 <tr>

  <td width="100%" colspan="3" valign="top" style="width:100.0%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(Address of principal executive offices)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="100%" colspan="3" valign="top" style="width:100.0%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(Zip Code)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="100%" colspan="3" valign="top" style="width:100.0%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">(956) 722-7611</font></font></b></p>

  </td>

 </tr>

 <tr>

  <td width="100%" colspan="3" valign="top" style="width:100.0%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(Registrant's telephone number, including

  area code)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="100%" colspan="3" valign="top" style="width:100.0%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(Former name, former address and former

  fiscal year, if changed since last report)</font></font></p>

  </td>

 </tr>

</table>



</div>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Indicate by check mark whether the registrant

(1) has filed all reports required to be filed by Section 13 or 15(d) of the

Securities Exchange Act of 1934 during the preceding 12 months (or for such

shorter period that the registrant was required to file such reports), and (2)

has been subject to such filing requirements for the past 90 days.&#160; Yes </font></font><font face="Wingdings"><font style="font-family:Wingdings;">&#253;</font></font><font face="Times New Roman"><font style="font-family:'Times New Roman'">&#160; No </font></font><font face="Wingdings"><font style="font-family:Wingdings;">o</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Indicate the number of shares outstanding of

each of the issuer's classes of common stock, as of the latest practicable

date.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<div align="center">



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">Class</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">Shares Issued and

  Outstanding</font></font></b></p>

  </td>

 </tr>

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Common Stock, $1.00 par value</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,224,173 shares outstanding at</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.8%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="49%" valign="top" style="width:49.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">November 8, 2001</font></font></p>

  </td>

 </tr>

</table>



</div>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<div style="border:none;border-bottom:double windowtext 9.0pt;padding:0in 0in 0in 0in">



<p align="center" style="border:none;font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;padding:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



</div>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">PART I - FINANCIAL INFORMATION</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">Item 1. <u>Financial

Statements</u></font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<h1 style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">INTERNATIONAL BANCSHARES CORPORATION AND

SUBSIDIARIES</font></font></b></h1>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Consolidated Statements of Condition</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">(Dollars in Thousands)</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="61%" valign="bottom" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">September 30,&#160; </font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">December 31,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="bottom" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="bottom" bgcolor="#cceeff" style="width:61.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;"><b><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">Assets</font></font></u></b></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">(Unaudited)</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Cash and due from banks</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.86%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="14%" valign="bottom" bgcolor="#cceeff" style="width:14.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">102,888</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.86%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="14%" valign="bottom" bgcolor="#cceeff" style="width:14.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">125,628</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Federal funds sold</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">19,800</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">500</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:45.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total cash and cash equivalents</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">122,688</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">126,128</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Time deposits with banks</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,485</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,471</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Investment securities:</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Held to maturity</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(Market value of $2,060 on September 30,

  2001</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">and $2,220 on December 31, 2000)</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,060</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,220</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Available for sale</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(Amortized cost of $2,798,045 on September

  30,</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2001 and $3,126,107 on December 31, 2000)</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,838,455</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,096,626</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:45.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total investment securities</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,840,515</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,098,846</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Loans:</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Commercial, financial and agricultural</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,363,391</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,286,576</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Real estate - mortgage</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">334,040</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">287,319</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Real estate - construction</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">254,543</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">232,589</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Consumer</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">156,329</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">165,875</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Foreign</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">271,294</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">278,119</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:45.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total loans</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,379,597</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,250,478</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Less unearned discounts</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(6,237</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(7,199</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:45.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Loans, net of unearned discounts</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,373,360</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,243,279</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Less allowance for possible loan losses</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(34,939</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(30,812</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:45.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net loans</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,338,421</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,212,467</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Bank premises and equipment, net</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">169,668</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">155,523</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Accrued interest receivable</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">34,779</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">40,159</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other investments</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">134,407</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">127,483</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Intangible assets, net</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">63,554</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">61,268</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other assets</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">42,241</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">36,369</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:45.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total assets</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.86%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="14%" valign="bottom" bgcolor="#cceeff" style="width:14.74%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,747,758</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.86%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="14%" valign="bottom" bgcolor="#cceeff" style="width:14.74%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,860,714</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

</table>



<h1 style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">&nbsp;</font></font></b></h1>



<b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';

font-weight:bold"><br clear="all" style="

page-break-before:always">

</font></font></b>



<h1 style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;text-autospace:none;">&nbsp;</h1>



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="61%" valign="bottom" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">September 30, </font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">&#160;December 31,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="bottom" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">(Unaudited)</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;"><b><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Liabilities and Shareholders' Equity</font></font></u></b></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Liabilities:</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Deposits:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

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 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Demand - non-interest bearing</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.86%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="14%" valign="bottom" style="width:14.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">548,031</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.86%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="14%" valign="bottom" style="width:14.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">573,681</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Savings and interest bearing demand</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">952,684</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">913,894</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Time</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,261,178</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,257,023</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:70.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total deposits</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,761,893</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,744,598</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Federal funds purchased and securities sold

  under repurchase agreements</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">461,925</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">230,108</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other borrowed funds</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">953,108</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,432,500</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other liabilities</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">86,080</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">36,616</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:70.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total liabilities</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,263,006</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,443,822</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Shareholders' equity:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Common stock of $1.00 par value.</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:25.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Authorized 40,000,000 shares;</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:25.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">issued 33,191,871 shares in 2001</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:25.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">and 26,481,211 shares in 2000</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">33,192</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,481</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Surplus</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">27,217</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">25,933</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Retained earnings</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">469,935</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">434,796</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Accumulated other comprehensive income (loss)</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">24,594</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(19,163</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="top" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">554,938</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">468,047</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:25.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Less cost of shares in treasury,</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:25.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,935,891 shares in 2001 and</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:25.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,139,863 shares in 2000</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(70,186</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(51,155</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:70.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total shareholders' equity</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">484,752</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">416,892</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" bgcolor="#cceeff" style="width:61.08%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:15.6%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:70.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total liabilities and</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="bottom" style="width:15.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="61%" valign="top" style="width:61.08%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:70.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">shareholders' equity</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.86%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';">$</font></font></p>

  </td>

  <td width="14%" valign="bottom" style="width:14.74%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,747,758</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.86%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="14%" valign="bottom" style="width:14.74%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,860,714</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-.25in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">See accompanying notes to interim condensed

consolidated financial statements.</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-.25in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-.25in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>



<p style="font-family:Courier;font-size:10.0pt;font-weight:bold;margin-bottom:.0001pt;margin-left:0in;margin-right:-.25in;margin-top:0in;page-break-after:avoid;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">INTERNATIONAL BANCSHARES CORPORATION AND

SUBSIDIARIES</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-.25in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Consolidated Statements of Income (Unaudited)</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-.25in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">(Dollars in Thousands, except per share data)</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="40%" valign="bottom" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="26%" colspan="5" rowspan="2" valign="bottom" style="width:26.2%;

  border:none;border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Three Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="26%" colspan="5" rowspan="2" valign="bottom" style="width:26.2%;

  border:none;border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Nine Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="bottom" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-top:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-top:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="top" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.1pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.1pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Interest income:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Loans, including fees</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.06%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">48,477</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">55,368</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.06%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">155,609</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">156,255</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Time deposits with banks</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">35</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">43</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">141</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">111</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Federal funds sold</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">176</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">238</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">679</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">768</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Investment securities:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:15.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Taxable</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">43,814</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">51,107</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">145,646</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">149,244</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:15.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Tax-exempt</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,172</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,285</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,677</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,835</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other interest income</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">74</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">74</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">512</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">247</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:30.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total interest income</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">93,748</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">108,115</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">306,264</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">310,460</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Interest expense:</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Savings deposits</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,876</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,936</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">19,399</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">20,768</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.1pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.05pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Time deposits</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">24,687</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">31,685</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">85,678</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">88,091</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.1pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.05pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Federal funds purchased and securities</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">sold under repurchase agreements</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,657</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,935</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">17,319</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,540</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other borrowings</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">9,597</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">25,550</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">41,337</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">68,249</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:50.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total interest expense</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">45,817</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">66,106</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">163,733</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">182,648</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:50.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net interest income</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">47,931</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">42,009</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">142,531</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">127,812</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Provision for possible loan losses</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,962</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,756</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,517</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,090</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:50.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net interest income after</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:60.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">provision for possible</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:60.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">loan losses</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">45,969</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">40,253</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">136,014</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">122,722</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:5.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Non-interest income:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Service charges on deposit accounts</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">10,481</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">8,845</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">30,835</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">25,447</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other service charges, commissions and fees</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:50.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Banking</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,689</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,033</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">7,311</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,554</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:50.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Non-Banking</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,896</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">229</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">4,863</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">541</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Investment securities transactions</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">108</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">410</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(968</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(884</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other investments</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,565</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,940</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,827</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,772</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Gain on sale of loans</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">141</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">23</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">242</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">57</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other income</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,316</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,154</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">7,642</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,254</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.76%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.94%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.3%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.96%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.76%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:50.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total non-interest income</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">20,196</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">15,634</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.94%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">56,752</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.3%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.96%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">43,741</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="293" style="border:none"></td>

  <td width="16" style="border:none"></td>

  <td width="9" style="border:none"></td>

  <td width="79" style="border:none"></td>

  <td width="16" style="border:none"></td>

  <td width="9" style="border:none"></td>

  <td width="79" style="border:none"></td>

  <td width="16" style="border:none"></td>

  <td width="9" style="border:none"></td>

  <td width="79" style="border:none"></td>

  <td width="16" style="border:none"></td>

  <td width="9" style="border:none"></td>

  <td width="79" style="border:none"></td>

  <td width="15" style="border:none"></td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<table width="99%" style="width:99.88%;

 border-collapse:collapse;">

 <tr>

  <td width="40%" valign="bottom" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="26%" colspan="5" valign="bottom" style="width:26.42%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">Three Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="26%" colspan="5" valign="bottom" style="width:26.06%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Nine Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;

  border-top:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;border:none;

  border-top:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Non-interest expense:</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Employee compensation and benefits</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">14,877</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">12,375</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">42,456</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">35,050</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Occupancy</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,619</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,674</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">7,731</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,512</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Depreciation of bank premises and<br>

  equipment</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,306</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,893</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">9,894</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">8,837</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Professional fees</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,300</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,161</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,572</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,260</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Stationery and supplies</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">882</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">749</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,638</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,229</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Amortization of intangible assets</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,367</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">991</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,977</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,952</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Advertising</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,384</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,023</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,998</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,949</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">8,193</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,789</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">23,976</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">18,713</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total non-interest expense</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">33,928</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">28,655</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">98,242</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">80,502</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Income before provision for<br>

  income taxes</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">32,237</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">27,232</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">94,524</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">85,961</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Provision for income taxes</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">10,793</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">8,492</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">31,575</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,954</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net Income</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.84%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.24%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">21,444</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.7%;border:none;border-bottom:double windowtext 1.5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.12%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">18,740</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.84%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.98%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">62,949</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.94%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.8%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">59,007</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Basic earnings per common share:</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net Income</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.84%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.24%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.81</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.7%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.12%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.70</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.84%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.98%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2.37</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.94%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.8%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2.20</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Weighted average number of shares<br>

  outstanding</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,348,432 </font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,711,086&#160;

  </font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,538,457 </font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,820,357</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Diluted earnings per common share:</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net Income</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.84%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.24%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.80</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.7%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.12%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.69</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.84%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.98%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2.33</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.94%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.8%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2.18</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" bgcolor="#cceeff" style="width:40.82%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.82%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.48%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.74%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.22%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" valign="top" style="width:40.82%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Weighted average number of shares<br>

  outstanding</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.08%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,945,909 </font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">27,053,942&#160;

  </font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.82%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,987,864 </font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.48%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.74%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">27,094,200</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.22%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">See accompanying notes to interim condensed

consolidated financial statements.</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">INTERNATIONAL BANCSHARES CORPORATION AND

SUBSIDIARIES</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Consolidated Statement of Comprehensive

Income (Unaudited)</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">(Dollars in Thousands)</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="37%" valign="bottom" style="width:37.56%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="28%" colspan="5" valign="bottom" style="width:28.1%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Three Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="28%" colspan="5" valign="bottom" style="width:28.1%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Nine Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" style="width:37.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;

  border-top:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;

  border-top:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" style="width:37.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" style="width:37.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" bgcolor="#cceeff" style="width:37.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net Income</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">21,444 </font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">18,740</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">62,949</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">59,007</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.04%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" style="width:37.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" bgcolor="#cceeff" style="width:37.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other comprehensive income, net of tax:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.0%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.0%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.0%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.0%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.04%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" style="width:37.56%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.04%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" bgcolor="#cceeff" style="width:37.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Unrealized holding gains (losses)<br>

  on securities arising during<br>

  period, net of reclassification<br>

  adjustment for (gains) losses<br>

  included in net income and changes<br>

  in fair value of investee&#146;s cash-flow<br>

  hedging transactions, net of tax</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.0%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">7,489</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.0%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">10,525</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.0%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">43,757</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.0%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(28,533</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.04%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" style="width:37.56%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.0%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="37%" valign="top" bgcolor="#cceeff" style="width:37.56%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Comprehensive income</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">28,933&#160;

  </font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">29,265</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">106,706</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.1%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.08%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">30,474</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.04%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">See accompanying notes to interim condensed

consolidated financial statements.</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<h2 style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">INTERNATIONAL BANCSHARES CORPORATION AND

SUBSIDIARIES</font></font></b></h2>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Consolidated Statements of Cash Flows

(Unaudited)</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">(Dollars in Thousands)</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="64%" valign="bottom" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="30%" colspan="5" valign="bottom" style="width:30.02%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Nine Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;

  border-top:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Operating activities:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net Income</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.84%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">62,949</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="12%" valign="bottom" bgcolor="#cceeff" style="width:12.84%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">59,007</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Adjustments to reconcile net income to net<br>

  cash provided by operating activities:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Provision for possible loan losses</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,517</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,090</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Depreciation of bank premises and equipment</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">9,894</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">8,837</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Gain on sale of bank premises and equipment</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(54</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(94</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Depreciation and amortization of leasing

  assets</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,302</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,310</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Accretion of investment securities

  discounts</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(8,033</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(13,640</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Amortization of investment securities

  premiums</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,389</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">8,367</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

  font-family:'Times New Roman'">Loss

  on investment securities transactions</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">968</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">884</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Amortization of intangible assets</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,977</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,952</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Equity earnings from affiliates and other

  investments </font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(6,909</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(5,737</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Deferred tax expense</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">784</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,816</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Decrease (increase) in accrued interest

  receivable</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,380</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(5,193</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net (increase) decrease in other assets</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(8,412</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,034</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net increase in other liabilities</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">25,356</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">12,749</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:50.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net cash provided by operating activities</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">101,108</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">80,382</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Investing activities:</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Proceeds from maturities of securities</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,560</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,572</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Proceeds from sales of available<br>

  for sale securities</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">532,650</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">49,668</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Purchases of available for sale securities</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(938,979</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(455,209</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Principal collected on mortgage-backed

  securities</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">733,668</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">259,170</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Proceeds from matured time deposits with

  banks</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,580</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">788</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Purchases of time deposits with banks</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(594</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(1,283</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net increase in loans</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(132,471</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(312,810</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Purchase of other investments</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(3,544</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(754</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Distributions from other investments</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">956</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">4,696</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Purchase of bank premises and equipment</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(24,085</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(13,976</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Proceeds from sale of bank premises and

  equipment</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">100</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">235</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Cash paid in excess of net assets acquired</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(6,263</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(1,930</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" style="width:64.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" style="width:13.76%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.5%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="64%" valign="top" bgcolor="#cceeff" style="width:64.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:50.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net cash provided by (used in)<br>

  investing activities</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">164,578</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="13%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:13.76%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(469,833</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.5%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="468" style="border:none"></td>

  <td width="17" style="border:none"></td>

  <td width="9" style="border:none"></td>

  <td width="92" style="border:none"></td>

  <td width="17" style="border:none"></td>

  <td width="9" style="border:none"></td>

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<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Courier"><font style="font-size:10.0pt;font-family:Courier;"><br clear="all" style="

page-break-before:always">

</font></font>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="51%" valign="bottom" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="43%" colspan="5" valign="bottom" style="width:43.96%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Nine Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-top:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Financing activities:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net (decrease) increase in non-interest<br>

  bearing demand deposits</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="19%" valign="bottom" bgcolor="#cceeff" style="width:19.84%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(25,650</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="19%" valign="bottom" bgcolor="#cceeff" style="width:19.84%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">47,392</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net increase (decrease) in savings and

  interest<br>

  bearing demand deposits</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">38,790</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(12,522</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net increase in time deposits</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">4,155</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">143,974</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net increase in federal funds purchased and<br>

  securities sold under repurchase agreements</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">231,817</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">629</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Proceeds from issuance of other borrowed

  funds</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,140,379</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,659,000</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Principal payments on other borrowed funds</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(1,619,771 </font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(1,430,000</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Purchase of treasury stock</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(19,031</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(9,054</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Proceeds from stock transactions</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,367</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,557</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Payments of cash dividends</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(21,158</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(21,016</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Payments of cash dividends in lieu of<br>

  fractional shares</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(24</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(24</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net cash (used in) provided by<br>

  financing activities</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(269,126</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">379,936</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:40.0pt;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Decrease in cash and cash equivalents</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(3,440</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(9,515</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Cash and cash equivalents<br>

  at beginning of period</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">126,128</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">134,995</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Cash and cash equivalents<br>

  at end of period</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="19%" valign="bottom" bgcolor="#cceeff" style="width:19.84%;

  border-top:solid windowtext .5pt;border-left:none;border-bottom:double windowtext 1.5pt;

  border-right:none;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">122,688</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="19%" valign="bottom" bgcolor="#cceeff" style="width:19.84%;

  border-top:solid windowtext .5pt;border-left:none;border-bottom:double windowtext 1.5pt;

  border-right:none;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">125,480</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" style="width:20.76%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Supplemental cash flow information:</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" style="width:51.2%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Interest paid</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="19%" valign="bottom" style="width:19.84%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">168,089</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.44%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="19%" valign="bottom" style="width:19.84%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">182,637</font></font></p>

  </td>

  <td width="2%" valign="bottom" style="width:2.4%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="51%" valign="top" bgcolor="#cceeff" style="width:51.2%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Income taxes paid</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">16,561</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.44%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="20%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:20.76%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">22,767</font></font></p>

  </td>

  <td width="2%" valign="bottom" bgcolor="#cceeff" style="width:2.4%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">See accompanying notes to interim condensed

consolidated financial statements.</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">INTERNATIONAL BANCSHARES CORPORATION AND

SUBSIDIARIES</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:.25in;margin-right:.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Notes to Consolidated Financial Statements

(Unaudited)</font></font></b></p>



<h3 style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:.25in;margin-right:.25in;margin-top:0in;page-break-after:avoid;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">&nbsp;</font></font></b></h3>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">Note 1 - Basis of Presentation</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">The accounting and reporting policies of

International Bancshares Corporation (&#147;Corporation&#148;) and Subsidiaries (the

Corporation and Subsidiaries collectively referred to herein as the &#147;Company&#148;)

conform to accounting principles generally accepted in the United States of

America and to general practices within the banking industry.&#160; The consolidated financial statements include

the accounts of the Company and its wholly-owned subsidiaries, International

Bank of Commerce, Laredo (&#147;IBC&#148;); Commerce Bank; International Bank of

Commerce, Zapata; International Bank of Commerce, Brownsville and the

Corporation&#146;s wholly-owned non-bank subsidiaries: IBC Subsidiary Corporation,

IBC Life Insurance Company, IBC Trading Company, IBC Capital Corporation,

International Bancshares Capital Trust I, International Bancshares Capital

Trust II, as well as the Gulfstar Group in which the company owns a controlling

interest.&#160; All significant intercompany

balances and transactions have been eliminated in consolidation.&#160; The consolidated financial statements are

unaudited, but include all adjustments, which in the opinion of management are

necessary for a fair presentation of the results of the periods presented.&#160; All such adjustments were of a normal and

recurring nature.&#160; It is suggested that

these financial statements be read in conjunction with the financial statements

and the notes thereto in the Company's latest Annual Report on Form 10K.&#160; The balance sheet at December 31, 2000 has

been derived from the audited financial statements at that date but does not

include all of the information and footnotes required by generally accepted

accounting principles for complete financial statements. Certain

reclassifications have been made to make prior periods comparable.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">All per share data presented has been

restated to reflect the stock splits effected through stock dividends.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">In June 1998, the Financial Accounting

Standards Board issued SFAS No. 133, &#147;Accounting for Derivative Instruments and

Hedging Activities.&#148; SFAS No. 133 establishes accounting and reporting

standards for derivative instruments, including certain derivative instruments

embedded in other contracts, and for hedging activities. SFAS No. 133 requires

that an entity recognize all derivatives as either assets or liabilities in the

statement of financial condition and measure those instruments at fair

value.&#160; If certain conditions are met, a

derivative may be specifically designated as a &#147;fair value hedge,&#148; a &#147;cash flow

hedge,&#148; or a hedge of a foreign currency exposure of a net investment in a

foreign operation.&#160; The accounting for

changes in the fair value of a derivative (that is, gains and losses) depends

on the intended use of the derivative and the resulting designation.&#160; In June 1999, the Financial Accounting

Standards Board issued SFAS No. 137, &#147;Accounting for Derivative Instruments and

Hedging Activities-Deferral of the Effective Date of SFAS No. 133&#148;, which

deferred the effective date of SFAS No. 133 to fiscal years beginning after

June 15, 2000.&#160; The Company currently

does not engage in hedging activities and does not hold any derivative

instruments or embedded derivatives.&#160;

However, an investee accounted for under the equity method of accounting

engages in cash-flow hedging activities.&#160;

The Company has recorded its prorata share of the changes in the fair

value of the investee&#146;s cash-flow hedging transactions in other comprehensive

income.&#160; The Company adopted SFAS No.

133 on January 1, 2001 and the adoption did not have any impact on its

consolidated financial statements other than the recording of the investee&#146;s

cash-flow hedging activities, which is not significant to the consolidated

financial statements.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">In September 2000, the Financial Accounting

Standards Board issued SFAS No. 140, &#147;Accounting for Transfers and Servicing of

Financial Assets and Extinguishments of Liabilities&#148;, which replaces the

Financial Accounting Standards Board&#146;s Statement No. 125, &#147;Accounting for Transfers

and Servicing of Financial Assets and Extinguishments of Liabilities&#148;, but

carries over most of SFAS No. 125&#146;s provisions without change. SFAS No. 140

elaborates on the qualifications necessary for a special-purpose entity,

clarifies sales accounting criteria in certain circumstances, refines

accounting for collateral, and adds disclosures for collateral,

securitizations, and retained interests in securitized assets.&#160; This statement should be applied prospectively

and is effective for transactions occurring after March 31, 2001.&#160; Disclosure requirements of this statement

and any changes in accounting for collateral are effective for fiscal years

ending after December 15, 2000.&#160; The

Company adopted the disclosure requirements at December 31, 2000.&#160; The adoption of the remaining provisions of

SFAS No. 140 did not have any impact on its consolidated financial statements.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:

'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">In

July 2001, the Financial Accounting Standards Board issued SFAS No. 141,

&#147;Business Combinations&#148;, and SFAS No. 142, &#147;Goodwill and Other Intangible

Assets.&#148;&#160; SFAS No. 141 requires that the

purchase method of accounting be used for all business combinations initiated

after June 30, 2001 as well as all purchase method business combinations completed

after June 30, 2001.&#160; SFAS No. 141 also

specifies criteria intangible assets acquired in a purchase method business

combination must meet to be recognized and reported apart from goodwill, noting

that any purchase price allocable to an assembled workforce may not be

accounted for separately.&#160; SFAS No. 142

will require that goodwill and intangible assets with indefinite useful lives

no longer be amortized, but instead tested for impairment at least annually in

accordance with the provisions of SFAS No. 142.&#160; SFAS No. 142 will also require that intangible assets with

definite useful lives be amortized over their respective estimated useful lives

to their estimated residual values, and reviewed for impairment in accordance

with SFAS No. 121, &#147;Accounting for the Impairment of Long-Lived Assets and for

Long-Lived Assets to Be Disposed Of.&#148;&#160;

In August 2001, the Financial Accounting Standards Board issued SFAS No.

144, &#147;Accounting for the Impairment or Disposal of Long-Lived Assets.&#148;&#160; SFAS No. 144 supersedes SFAS No. 121 and is

effective for fiscal years beginning after December 15, 2001.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The Company is required to adopt the provisions of SFAS No. 141

immediately and SFAS No. 142 effective January 1, 2002.&#160;&#160; Furthermore, any goodwill and any

intangible asset determined to have an indefinite useful life that are acquired

in a purchase business combination completed after June 30, 2001 will not be

amortized, but will continue to be evaluated for impairment in accordance with

the appropriate pre-SFAS No. 142 accounting literature.&#160; Goodwill and intangible assets acquired in

business combinations completed before July 1, 2001 will continue to be

amortized prior to the adoption of SFAS No. 142.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">SFAS No. 141 will require upon adoption of SFAS No. 142, that the

Company evaluate its existing intangible assets and goodwill that were acquired

in a prior purchase business combination, and to make any necessary

reclassifications in order to conform with the new criteria in SFAS No. 141 for

recognition apart from goodwill.&#160; Upon

adoption of SFAS No. 142, the Company will be required to reassess the useful

lives and residual values of all intangible assets acquired in purchase

business combinations, and make any necessary amortization period adjustments

by the end of the first interim period after adoption.&#160; In addition, to the extent an intangible

asset is identified as having an indefinite useful life, the Company will be

required to test the intangible asset for impairment in accordance with the

provisions of SFAS No. 142 within the first interim period.&#160; Any impairment loss will be measured as of

the date of adoption and recognized as the cumulative effect of a change in

accounting principle in the first interim period.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">In connection with the transitional goodwill impairment evaluation,

SFAS No. 142 will require the Company to perform an assessment of whether there

is an indication that goodwill is impaired as of the date of adoption.&#160; To accomplish this the Company must identify

its reporting units and determine the carrying value of each reporting unit by

assigning the assets and liabilities, including the existing goodwill and

intangible assets, to those reporting units as of the date of adoption.&#160; The Company will then have up to six months

from the date of adoption to determine the fair value of each reporting unit

and compare it to the reporting unit&#146;s carrying amount.&#160; To the extent a reporting unit&#146;s carrying

amount exceeds its fair value, an indication exists that the reporting unit&#146;s

goodwill may be impaired and the Company must perform the second step of the

transitional impairment test.&#160; In the

second step, the Company must compare the implied fair value of the reporting

unit&#146;s goodwill, determined by allocating the reporting unit&#146;s fair value to

all of it assets (recognized and unrecognized) and liabilities in a manner

similar to a purchase price allocation in accordance with SFAS No. 141, to its

carrying amount, both of which would be measured as of the date of

adoption.&#160;&#160; This second step is required

to be completed as soon as possible, but no later than the end of the year of

adoption.&#160; Any transitional impairment

loss will be recognized as the cumulative effect of a change in accounting

principle in the Company&#146;s consolidated statement of income.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">As of the date of adoption, the Company

expects to have unamortized goodwill and identifiable intangible assets in the

amount of $62,204,000, all of which will be subject to the transition

provisions of SFAS Nos. 141 and 142.&#160;

Amortization expense related to goodwill and identifiable intangible

assets was $4,219,000 and $3,977,000 for the year ended December 31, 2000 and

the nine months ended September 30, 2001, respectively.&#160; Because of the extensive effort needed to

comply with adopting SFAS Nos. 141 and 142, it is not practicable to reasonably

estimate the impact of adopting these Statements on the Company&#146;s consolidated

financial statements at the date of this report, including whether any

transitional impairment losses will be required to be recognized as the

cumulative effect of a change in accounting principle.</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">Note 2 - Acquisitions</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></b><font face="Times New Roman"><font style="font-family:'Times New Roman'">Effective April 1, 2001, IBC through its

insurance subsidiary, acquired the assets of Grove Agency Insurance, Inc., of

Corpus Christi, Texas.&#160; The acquisition

was accounted for as a purchase transaction. In connection with the

acquisition, IBC recorded goodwill totaling $1,575,000, which is being

amortized on a straight-line basis over a fifteen year period.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Effective February 16, 2001, IBC acquired the assets of First Equity

Corporation, an Austin, Texas based mortgage company.&#160; The acquisition was accounted for as a purchase transaction.&#160; In connection with the acquisition, IBC

recorded goodwill totaling $4,864,000, which is being amortized on a

straight-line basis over a fifteen year period.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Effective October 2, 2000, the Company purchased a controlling interest

in the GulfStar Group, a Houston-based investment banking firm serving

middle-market corporations primarily in Texas.&#160;

The acquisition was accounted for as a purchase transaction.&#160; In connection with the acquisition, the

Company recorded goodwill totaling $13,199,000, which is being amortized on a

straight-line basis over a fifteen year period.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; During 2000, IBC established an insurance subsidiary and acquired the

assets of two insurance agencies in Texas.&#160;

The acquisitions were accounted for as a purchase transaction.&#160; In connection with the acquisitions, IBC

recorded goodwill totaling $3,003,000 which is being amortized on a

straight-line basis over a fifteen year period.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">Note 3 - Investment Securities</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The Company classifies debt and equity

securities into one of three categories:&#160;

held-to maturity, available-for-sale, or trading.&#160; Such classifications are reassessed for

appropriate classification at each reporting date.&#160; Securities classified as &#147;held-to-maturity&#148; are carried at

amortized cost for financial statement reporting, while securities classified

as &#147;available-for-sale&#148; and &#147;trading&#148; are carried at their fair value.&#160; Unrealized holding gains and losses are included

in net income for those securities classified as &#147;trading&#148;, while unrealized

holding gains and losses related to those securities classified as

&#147;available-for-sale&#148; are excluded from net income and reported net of tax as

other comprehensive income and as a separate component of shareholders&#146; equity

until realized.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; A summary of the investment securities held to maturity and securities

available for sale as reflected on the books of the Company is as follows:</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="82%" style="width:82.66%;

 margin-left:.5in;border-collapse:collapse;">

 <tr>

  <td width="53%" valign="bottom" style="width:53.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" style="width:3.9%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="19%" colspan="3" valign="bottom" style="width:19.7%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">September 30,<br>

  2001</font></font></b></p>

  </td>

  <td width="2%" colspan="2" valign="bottom" style="width:2.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">&nbsp;</font></font></b></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.84%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">December 31,<br>

  2000</font></font></b></p>

  </td>

  <td width="0%" valign="bottom" style="width:.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" style="width:3.9%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="41%" colspan="7" valign="bottom" style="width:41.52%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">(Dollars in

  Thousands)</font></font></b></p>

  </td>

  <td width="0%" valign="bottom" style="width:.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">U. S. Treasury and federal agencies</font></font></p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.9%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.9%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:3.54%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="19%" colspan="3" valign="bottom" bgcolor="#cceeff" style="width:19.1%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Available for sale</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.9%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="18%" valign="bottom" style="width:18.02%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,656,378</font></font></p>

  </td>

  <td width="3%" colspan="2" valign="bottom" style="width:3.54%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="1%" colspan="2" valign="bottom" style="width:1.1%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="18%" valign="bottom" style="width:18.0%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,828,134</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">States and political subdivisions</font></font></p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.9%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.9%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:3.54%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="19%" colspan="3" valign="bottom" bgcolor="#cceeff" style="width:19.1%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Held to maturity</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.9%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.9%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="3%" colspan="2" valign="bottom" style="width:3.54%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="19%" colspan="3" valign="bottom" style="width:19.1%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">60</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Available for sale</font></font></p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.9%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.9%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">94,326</font></font></p>

  </td>

  <td width="3%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:3.54%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="19%" colspan="3" valign="bottom" bgcolor="#cceeff" style="width:19.1%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">96,791</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Other</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.9%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.9%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" colspan="2" valign="bottom" style="width:3.54%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="19%" colspan="3" valign="bottom" style="width:19.1%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Held to maturity</font></font></p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.9%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.9%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,060</font></font></p>

  </td>

  <td width="3%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:3.54%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="19%" colspan="3" valign="bottom" bgcolor="#cceeff" style="width:19.1%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,160</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Available for sale</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.9%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.9%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">87,751</font></font></p>

  </td>

  <td width="3%" colspan="2" valign="bottom" style="width:3.54%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="19%" colspan="3" valign="bottom" style="width:19.1%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">171,701</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.9%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.9%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:3.54%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="19%" colspan="3" valign="bottom" bgcolor="#cceeff" style="width:19.1%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.98%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total investment securities</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.9%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.88%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="18%" valign="bottom" style="width:18.02%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,840,515</font></font></p>

  </td>

  <td width="3%" colspan="2" valign="bottom" style="width:3.54%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="1%" colspan="2" valign="bottom" style="width:1.1%;border:none;

  border-bottom:double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="18%" valign="bottom" style="width:18.0%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,098,846</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.98%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="319" style="border:none"></td>

  <td width="22" style="border:none"></td>

  <td width="9" style="border:none"></td>

  <td width="107" style="border:none"></td>

  <td width="4" style="border:none"></td>

  <td width="16" style="border:none"></td>

  <td width="2" style="border:none"></td>

  <td width="7" style="border:none"></td>

  <td width="107" style="border:none"></td>

  <td width="5" style="border:none"></td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">Note 4 - Allowance for Possible Loan Losses</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">A summary of the transactions in the allowance

for possible loan losses is as follows:</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="82%" style="width:82.88%;

 margin-left:35.7pt;border-collapse:collapse;">

 <tr>

  <td width="53%" valign="bottom" style="width:53.88%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.92%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">September 30,<br>2001</font></font></b></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">September 30,<br>2000</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.02%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="41%" colspan="5" valign="bottom" style="width:41.48%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">(Dollars in

  Thousands)</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.02%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.92%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.02%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.88%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Balance at January 1</font></font></p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.94%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="17%" valign="bottom" bgcolor="#cceeff" style="width:17.98%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">30,812</font></font></p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.94%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="17%" valign="bottom" bgcolor="#cceeff" style="width:17.98%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">26,770</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.02%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.92%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.02%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.88%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Losses charged to allowance</font></font></p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.92%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(3,198</font></font></p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(2,257</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.02%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Recoveries credited to allowance</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.92%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">808</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">751</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.02%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.88%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.92%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.94%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.02%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net losses charged to allowance</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.92%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(2,390</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.94%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(1,506</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.02%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.88%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.92%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.94%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.02%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:30.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Provisions charged to operations</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.92%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">6,517</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" style="width:18.94%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,090</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.02%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" bgcolor="#cceeff" style="width:53.88%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.92%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="3%" valign="bottom" bgcolor="#cceeff" style="width:3.64%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="18%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:18.94%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.02%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" valign="top" style="width:53.88%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Balance at September 30</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.94%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="17%" valign="bottom" style="width:17.98%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">34,939</font></font></p>

  </td>

  <td width="3%" valign="bottom" style="width:3.64%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.94%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="17%" valign="bottom" style="width:17.98%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">30,354</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.02%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">The Company classifies as impaired those loans

where it is probable that all amounts due will not be collected according to

contractual terms of the loan agreement. The Company has identified these loans

through its normal loan review procedures.&#160;

Impaired loans included 1) all non-accrual loans, 2) loans which are 90

days or over past due unless they are well secured (the collateral value is

sufficient to cover principal and accrued interest) and are in the process of

collection, and 3) other loans which management believes are impaired.&#160; Substantially all of the Company's impaired

loans are measured at the fair value of the collateral.&#160; In limited cases the Company may use other

methods to determine the level of impairment of a loan if such loan is not

collateral dependent.&#160; Amounts received

on non-accrual loans are normally applied, for financial accounting purposes,

first to principal and then to interest after all principal has been collected.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Management of the Company recognizes the

risks associated with impaired loans.&#160;

However, management's decision to place loans in this category does not

necessarily mean that the Company expects losses to occur.&#160; The Company&#146;s impaired loan balance at the

end of the nine month period of both 2001 and 2000 was not material to the

Company&#146;s consolidated financial position.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The subsidiary banks charge off that portion

of any loan which management considers to represent a loss as well as that

portion of any other loan which is classified as a &quot;loss&quot; by bank

examiners.&#160; Commercial and industrial or

real estate loans are generally considered by management to represent a loss,

in whole or part, when an exposure beyond any collateral coverage is apparent

and when no further collection of the loss portion is anticipated based on the

borrower's financial condition and general economic conditions in the

borrower's industry.&#160; Generally,

unsecured consumer loans are charged-off when 90 days past due.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">While management of the Company considers

that it is generally able to identify borrowers with financial problems

reasonably early and to monitor credit extended to such borrowers carefully,

there is no precise method of predicting loan losses.&#160; The determination that a loan is likely to be uncollectible and

that it should be wholly or partially charged-off as a loss, is an exercise of

judgment.&#160; Similarly, the determination

of the adequacy of the allowance for possible loan losses can be made only on a

subjective basis.&#160; It is the judgment of

the Company's management that the allowance for possible loan losses at

September 30, 2001, was adequate to absorb possible losses from loans in the

portfolio at that date.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">Note 5 - Stock and Cash Dividends</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">All per share data presented has been restated

to reflect the stock splits effected through stock dividends which became

effective May 18, 2000 and May 17, 2001 and were paid on June 12, 2000 and June

15, 2001, respectively.&#160; Such stock

dividends resulted in the issuance of 5,280,503 and 6,627,539 shares of Common

Stock in 2000 and 2001, respectively.&#160; A

cash dividend of $.60 and $.50 per share was paid to holders of record of

Common Stock on April 14, 2000 and October 16, 2000, respectively. A cash

dividend of $.60 and $.40 per share was paid to holders of record of Common

Stock on April 16, 2001 and October 15, 2001, respectively.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The Company announced a formal stock

repurchase program on June 22, 1999 and expanded the stock repurchase program

on July 16, 1999, January 11, 2000, December 21, 2000 and on July 24,

2001.&#160; Under the expanded stock

repurchase program, the Company is authorized to repurchase up to $60,000,000

of its common stock through December 2002.&#160;

Stock repurchases may be made from time to time, on the open market or

through private transactions.&#160; Shares

repurchased in this program will be held in treasury for reissue for various

corporate purposes, including employee stock option plans.&#160; As of November 6, 2001, a total of 1,261,881

shares were repurchased under this program at a cost of $50,631,000 which

shares are now reflected as 1,638,917 shares of treasury stock as adjusted for

stock dividends.&#160; Stock repurchases are

presented quarterly at the Company's Board of Directors meetings and the Board

of Directors has stated that the aggregate investment in treasury stock should

not exceed $80,793,000.&#160; In the past,

the board has increased previous caps on treasury stock once they were met, but

there are no assurances that an increase of the $80,793,000 cap will occur in

the future.&#160; As of November 6, 2001, the

Company has acquired approximately 6,973,376 shares of treasury stock at a cost

of approximately $71,605,000, which amount has been accumulated since the

inception of the Company.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">On April 3, 1996, the Board of Directors

adopted the 1996 International Bancshares Corporation Stock Option Plan.&#160; The Plan replaced the 1987 International

Bancshares Corporation Key Contributor Stock Option Plan.&#160; Subject to certain adjustments, the maximum

number of shares of common stock which may be granted subject to options under

the new Plan is 1,353,207 of which 243,160 shares remain available for the

issuance of options.&#160; The 201,964 shares

of common stock remaining available under the 1987 Plan will be treated as

authorized for issuance upon exercise of options granted under the 1987 Plan

only.&#160; As of September 30, 2001, options

to acquire 201,964 and 1,110,047 shares of common stock remain outstanding

under the 1987 Plan and the new Plan, respectively.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; On October 2, 2000, the Company granted nonqualified stock options

exercisable for a total of 150,000 shares of Common Stock to certain employees

of the GulfStar Group.&#160; The grants were

not made under either the 1987 Plan or the 1996 Plan.&#160; As of September 30, 2001, options to acquire 150,000 shares of

common stock remain outstanding to certain employees of the GulfStar Group.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">Note 6 - Commitments and Contingent Liabilities</font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The

Company and its bank subsidiaries are involved in various legal proceedings

that are in various stages of litigation.&#160;

Some of these actions allege &#147;lender liability&#148; claims on a variety of

theories and claim substantial actual and punitive damages.&#160; The Company and its subsidiaries have

determined, based on discussions with their counsel, that any material loss in

such actions, individually or in the aggregate, is remote or the damages

sought, even if fully recovered, would not be considered material to the

financial condition or results of operations of the Company and its

subsidiaries.&#160; However, many of these

matters are in various stages of proceedings and further developments could

cause management to revise its assessment of these matters.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The

Company&#146;s lead bank subsidiary has invested in Partnerships which have entered

into several lease financing transactions.&#160;

The lease financing transactions in two of the Partnerships have been

examined by the Internal Revenue Service (&#147;IRS&#148;).&#160; In both Partnerships, the lead bank subsidiary is the owner of a

ninety-nine percent (99%) limited partnership interest.&#160; The IRS has issued a Notice of Proposed

Adjustments to Affected Items of a Partnership to each of the Partnerships for

the lease financing transactions.&#160; Each

of the Partnerships has submitted a Protest contesting the adjustments.&#160; The IRS has issued a Notice of Final

Partnership Administrative Adjustment (&#147;FTPAA&#148;) to one of the Partnerships and

on September 25, 2001 the Company filed a lawsuit contesting the FPAA.&#160; Prior to filing the lawsuit the Company was

required to deposit the estimated tax due of approximately $4,083,000 with the

IRS pursuant to the Internal Revenue Code.&#160;

No reliable prediction can be made at this time as to the likely outcome

of the lawsuit or the IRS proceedings regarding the other Partnership.&#160; However, if the lawsuit and the IRS

proceedings are decided adversely to the Partnerships, all or a portion of the

$12 million in tax benefits previously recognized by the Company in connection

with the Partnerships&#146; lease financing transactions would be in question.&#160; Management has estimated the Company&#146;s

exposure in connection with these transactions and has reserved an appropriate

amount.&#160; Management intends to continue

to evaluate the merits of each matter and make appropriate revisions to the

reserve amount as deemed warranted.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><a name="Table"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Item 2 - <u>Management's Discussion and

Analysis of Financial Condition and Results of Operations</u></font></font></b></a></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Net

income for the third quarter of 2001 was $21,444,000 or $.81 per share - basic

($.80 per share - diluted) compared to $18,740,000 or $.70 per share - basic

($.69 per share - diluted) in the corresponding 2000 period, which represents a

14% increase from the corresponding 2000 period.</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Historically,

the Company&#146;s acquisitions have been accounted for using the purchase method of

accounting which results in the creation of goodwill and other

intangibles.&#160; These amounts are being

amortized as a non-cash reduction of net income over time periods from ten to

twenty years.&#160; &#147;Income before intangible

charges&#148; reflects the net income of the Company excluding this

amortization.&#160; In computing the income

tax adjustment, Management has considered the tax deductible amount separately

from non-tax deductible amount in making this calculation.&#160; The income tax on tax deductible goodwill

and other intangibles has been computed using the standard corporate tax rate

of 35%, and the non-tax deductible goodwill and other intangibles have been

grossed-up using the same 35% tax rate to reflect the earnings result.&#160; These two calculations have been combined to

reflect the net income tax adjustment displayed in the cash earnings table

below.&#160; The table reconciles reported

earnings to net income excluding intangible amortization (&#147;income before

intangible charges&#148;) to help facilitate peer group comparisons.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

 <tr>

  <td width="43%" valign="bottom" style="width:43.96%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.94%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="25%" colspan="5" valign="bottom" style="width:25.12%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Three Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="25%" colspan="5" valign="bottom" style="width:25.12%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Nine Months Ended<br>

  September 30,</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" style="width:43.96%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.94%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.6%;border:none;

  border-bottom:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.6%;border-top:solid windowtext .5pt;

  border-left:none;border-bottom:solid windowtext .5pt;border-right:none;

  padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.6%;border:none;

  border-bottom:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2001</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;border:none;border-top:solid windowtext .5pt;

  padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.6%;border-top:solid windowtext .5pt;

  border-left:none;border-bottom:solid windowtext .5pt;border-right:none;

  padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">2000</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" style="width:43.96%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.94%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="52%" colspan="11" valign="bottom" style="width:52.16%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">(Dollars in

  Thousands, except per share data)</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" bgcolor="#cceeff" style="width:43.96%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Reported net income</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.94%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" bgcolor="#cceeff" style="width:10.68%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">21,444</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" bgcolor="#cceeff" style="width:10.68%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">18,740</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" bgcolor="#cceeff" style="width:10.68%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">62,949</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" bgcolor="#cceeff" style="width:10.68%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">59,007</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" style="width:43.96%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Amortization of intangible assets</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.94%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,367</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">991</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,977</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" style="width:11.6%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,952</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" bgcolor="#cceeff" style="width:43.96%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Income tax adjustment</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.94%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(215</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(83</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(600</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.6%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(241</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" style="width:43.96%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Income before intangible charges</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.94%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  double windowtext 1.5pt;padding:

  0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.68%;border-top:solid windowtext .5pt;

  border-left:none;border-bottom:double windowtext 1.5pt;border-right:none;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">22,596</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  double windowtext 1.5pt;padding:

  0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.68%;border-top:solid windowtext .5pt;

  border-left:none;border-bottom:double windowtext 1.5pt;border-right:none;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">19,648</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  double windowtext 1.5pt;padding:

  0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.68%;border-top:solid windowtext .5pt;

  border-left:none;border-bottom:double windowtext 1.5pt;border-right:none;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">66,326</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  double windowtext 1.5pt;padding:

  0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.68%;border-top:solid windowtext .5pt;

  border-left:none;border-bottom:double windowtext 1.5pt;border-right:none;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">61,718</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" bgcolor="#cceeff" style="width:43.96%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Income before intangible charges per common

  share:</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.94%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="11%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:11.6%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" style="width:43.96%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Basic</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.94%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.68%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.86</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.68%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.74</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.68%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2.50</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" style="width:10.68%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2.30</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="43%" valign="top" bgcolor="#cceeff" style="width:43.96%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:20.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Diluted</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.94%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" bgcolor="#cceeff" style="width:10.68%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.84</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" bgcolor="#cceeff" style="width:10.68%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.73</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" bgcolor="#cceeff" style="width:10.68%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2.46</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="10%" valign="bottom" bgcolor="#cceeff" style="width:10.68%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2.28</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total assets at September 30, 2001 were

$5,747,758,000 which represents a 2% decrease from total assets of

$5,844,963,000 at September 30, 2000 and a 2% decrease from total assets of

$5,860,714,000 as of December 31, 2000.&#160;

Deposits at September 30, 2001 were $3,761,893,000 an increase of 2%

over the $3,706,056,000 amount reported at September 30, 2000, and an increase

of .5% over the $3,744,598,000 amount reported at December 31, 2000.&#160; Total loans at September 30, 2001 increased

7% to $2,379,597,000 over $2,222,210,000 reported at September 30, 2000 and

increased 6% over the $2,250,478,000 amount reported at December 31, 2000.&#160; The slight decrease in assets during the

first nine months in 2001 can be attributable to the contraction of the

Company&#146;s earning asset base caused by a decline in the Company&#146;s short-term

fixed borrowings.&#160; The aggregate amount

of certificates of indebtedness with the Federal Home Bank of Dallas (&#147;FHLB&#148;)

decreased to $918,000,000 at September 30, 2001 from the $1,432,500,000 at

December 31, 2000.&#160; Certificates of

indebtedness and the deposits are used to fund the earning asset base of the

Company.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">As part of its strategy to manage interest

rate risk, the Company strives to manage both assets and liabilities so that

interest sensitivities match.&#160; In this

way both earning assets and funding sources of the Company respond to changes

in a similar time frame.&#160; Net interest

income for the third quarter of 2001 increased $5,922,000 (14%) over the same

period in 2000 and the increase is the result of the Company&#146;s loan growth and

efforts to manage interest rate risk.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Investment securities decreased 8% to $2,840,515,000 at September 30,

2001 from $3,101,007,000 at September 30, 2000 and an 8% decrease from

investment securities of $3,098,846,000 at December 31, 2000.&#160; Time deposits with other banks at September

30, 2001 decreased 37% to $1,485,000 from $2,372,000 at September 30, 2000 and

decreased 40% from time deposits of $2,471,000 at December 31, 2000.&#160; Total federal funds sold decreased 16% to

$19,800,000 at September 30, 2001 as compared to $23,500,000 at September 30,

2000 and increased from $500,000 at December 31, 2000.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">Interest and fees on loans for the third quarter

in 2001 decreased $6,891,000 (12%) from the same quarter in 2000 and decreased

$646,000 (.5%) for the nine month period ended September 30, 2001 as compared

to the same period in 2000.&#160; Interest

income on taxable and tax exempt investment securities for the third quarter in

2001 decreased $7,406,000 (14%) from the same quarter in 2000 and decreased

$3,756,000 (2%) for the nine month period ended September 30, 2001 as compared

to the same period in 2000.&#160; Interest

income on time deposits with banks for the third quarter in 2001 decreased

$8,000 (19%) from the same quarter in 2000 and increased $30,000 (27%) for the

nine month period ended September 30, 2001 as compared to the same period in

2000.&#160; Interest income on federal funds

sold for the third quarter in 2001 decreased $62,000 (26%) over the same

quarter in 2000 and decreased $89,000 (12%) for the nine month period ended

September 30, 2001 as compared to the same period in 2000.&#160; Overall, total interest income from loans,

time deposits, federal funds sold, investment securities and other interest

income for the third quarter in 2001 decreased $14,367,000 (13%) over the same

quarter in 2000 and decreased $4,196,000 (1%) for the nine month period ended

September 30, 2001 as compared to the same period in 2000.&#160; The decrease in total interest income was

primarily due to lower market interest rates, and the slight decrease in the

Company&#146;s earning assets.</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Total interest expense for savings deposit,

time deposits and other borrowings decreased $20,289,000 (31%) for the third

quarter of 2001 from the same quarter in 2000 and decreased $18,915,000 (10%)

for the nine month period ended September 30, 2001 from the same period in

2000.&#160; <font color="black"><font style="color:black">The decrease in total interest expense was primarily due to

lower interest rates paid on interest bearing liabilities as well as the

decrease in the amount of other borrowed funds.</font></font>&#160; As a result, net interest income for the

third quarter of 2001 increased $5,922,000 (14%) over the same period in 2000

and increased $14,719,000 (12%) for the nine month period ended September 30,

2001 over the corresponding period in 2000.&#160;

This increase is attributed to the Company's efforts to maintain an

adequate interest rate spread between the cost of funds and the investment of

those funds.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Non-interest income increased $4,562,000

(29%) to $20,196,000 in the third quarter of 2001 as compared to $15,634,000

for the quarter ended September 30, 2000 and increased $13,011,000 (30%) to

$56,752,000 for the nine month period ended September 30, 2001 as compared to

$43,741,000 for the nine months ended September 30, 2000.&#160; The increases in non-interest income were

primarily due to the increases in service charges and the increase in other

income.&#160; The increase in service charges

was attributable to the amount of account transaction fees received as a result

of the deposit growth, new deposit products and increased collection

efforts.&#160; The increase in other

non-banking commissions and fees was due to the activities of the GulfStar

Group affiliate of the Company as well as the activities of IBC&#146;s insurance

subsidiary.&#160; Investment securities

losses of $968,000 were recorded in the nine month period ended September 30,

2001 compared to losses of $884,000 for the corresponding period in 2000.&#160; These losses occurred due to a bond program

initiated by management in 2000 to reposition a portion of the Company&#146;s bond

portfolio and take advantage of higher bond yields.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Non-interest

expense increased $5,273,000 (18%) to $33,928,000 for the third quarter of 2001

as compared to $28,655,000 for the quarter ended September 30, 2000 and

increased $17,740,000 (22%) to $98,242,000 for the nine month period ended

September 30, 2001 as compared to $80,502,000 for the nine months ended

September 30, 2000.&#160; Non-interest expense

increased due to the Company&#146;s expanded operations at its bank subsidiaries.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The

efficiency ratio, a measure of non-interest expense to net interest income plus

non-interest income, was 49% for the nine month period ended September 30,

2001, compared to the year ago ratio of 47%.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The

allowance for possible loan losses increased 15% to $34,939,000 at the end of

the third quarter of 2001 over $30,354,000 for the corresponding date in

2000.&#160; The provision for possible loan

losses charged to expense increased 28% to $6,517,000 for the first nine months

of 2001 compared to $5,090,000 for the first nine months of 2000. The increase

in the allowance for possible loan losses was largely due to the increase in

the size of the loan portfolio and allowance allocations related to

Management&#146;s evaluation of current economic conditions.&#160; The allowance for possible loan losses was

1.47% of total loans, net of unearned income, at September 30, 2001, compared

to 1.37% at September 30, 2000 and 1.37% at December 31, 2000.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">On September 30, 2001, the Company had

$5,747,758,000 of consolidated assets of which approximately $272,584,000 or 5%

were related to loans outstanding to borrowers domiciled in Mexico.&#160; Of the $272,584,000, 64% is directly or

indirectly secured by U.S. assets, principally certificates of deposits and

real estate; 6% is secured by Mexican real estate; 29% is secured by Mexican

real estate related to maquiladora plants, guaranteed under lease obligations

primarily by U.S. companies, many of which are on the Fortune 500 list of

companies; .5% is unsecured; and .5% represents accrued interest receivable on

the portfolio.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<b><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold"><br clear="all" style="page-break-before:

always">

</font></font></u></b>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman';font-weight:bold">Liquidity and Capital Resources</font></font></u></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">The maintenance of adequate liquidity provides

the Company&#146;s bank subsidiaries with the ability to meet potential depositor

withdrawals, provide for customer credit needs, maintain adequate statutory

reserve levels and take full advantage of high-yield investment opportunities

as they arise.&#160; Liquidity is afforded by

access to financial markets and by holding appropriate amounts of liquid

assets.&#160; The bank subsidiaries of the

Company derive their liquidity largely from deposits of individuals and

business entities. Deposits from persons and entities domiciled in Mexico

comprise a significant and stable portion of the deposit base of the Company&#146;s

bank subsidiaries.&#160; Other important

funding sources for the Company&#146;s bank subsidiaries during 2001 and 2000 have

been wholesale borrowings from FHLB, securities sold under repurchase

agreements and large certificates of deposit, requiring management to closely

monitor its asset/liability mix in terms of both rate sensitivity and maturity

distribution.&#160; Primary liquidity of the

Company and its subsidiaries has been maintained by means of increased

investment in shorter-term securities, certificates of deposit and loans.&#160; As in the past, the Company will continue to

monitor the volatility and cost of funds in an attempt to match maturities of

rate-sensitive assets and liabilities, and respond accordingly to anticipated

fluctuations in interest rates over reasonable periods of time.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Principal sources of liquidity and funding

for the Company are dividends from subsidiaries and borrowed funds, with such

funds being used to finance the Company&#146;s cash flow requirements.&#160; The Company has a number of available

alternatives to finance the growth of its existing banks as well as future

growth and expansion.&#160; Among the

activities and commitments the Company funded during the first nine months in

2001 and expects to continue to fund during 2001 is a continuous effort to

modernize and improve our existing facilities and expand our bank branch

network.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The Company maintains an adequate level of capital as a margin of

safety for its depositors and shareholders.&#160;

At September 30, 2001, shareholders&#146; equity was $484,752,000 compared to

$355,373,000 at September 30, 2000, an increase 36% and at December 31, 2000,

shareholders&#146; equity was $416,892,000, representing an increase of 16%.&#160; The increase in shareholders&#146; equity

resulted from the retention of earnings and the effects of comprehensive

income.&#160; Accumulated other comprehensive

income includes unrealized gains and losses on securities held available for

sale and changes in the fair value of an investee&#146;s cash flow hedging

transactions, net of tax.&#160; Accumulated

other comprehensive income is not included in the calculation of regulatory

capital requirements.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">The Company had a leverage ratio of 7.56% and

6.54%, risk-weighted Tier 1 capital ratio of 14.93% and 13.23% and

risk-weighted total capital ratio of 16.14% and 14.29% at September 30, 2001

and December 31, 2000, respectively.&#160;

The core deposit intangibles and goodwill of $62,940,000 at September

30, 2001, recorded in connection with financial institution acquisitions of the

Company, are deducted from the sum of core capital elements when determining

the capital ratios of the Company.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">As in the past, the Company will continue to

monitor the volatility and cost of funds in an attempt to match maturities of

rate-sensitive assets and liabilities, and respond accordingly to anticipated

fluctuations in interest rates by adjusting the balance between sources and

uses of funds as deemed appropriate.&#160;

The net-interest rate sensitivity as of September 30, 2001 is

illustrated in the table on page 19.&#160;

This information reflects the balances of assets and liabilities whose

rates are subject to change.&#160; A mix of

assets and liabilities that are roughly equal in volume and repricing

characteristics represents a matched interest rate sensitivity position.&#160; Any excess of assets or liabilities results

in an interest rate sensitivity gap.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The Company undertakes the interest rate

sensitivity analysis to monitor the potential risk on future earnings resulting

from the impact of possible future changes in interest rates on currently

existing net asset or net liability positions.&#160;

However, this type of analysis is as of a point-in-time position, when

in fact that position can quickly change as market conditions, customer needs,

and management strategies change.&#160; Thus,

interest rate changes do not affect all categories of asset and liabilities

equally or at the same time.&#160; As

indicated in the table, the Company is liability sensitive during the early

time periods and becomes asset sensitive in the longer periods.&#160; The Company's Asset and Liability Committee

reviews semi-annually the consolidated position along with simulation and

duration models, and makes adjustments as needed to control the Company's

interest rate risk position.&#160; The

Company uses modeling of future events as a primary tool for monitoring

interest rate risk.</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<h1 style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';">INTEREST RATE

SENSITIVITY</font></font></b></h1>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">(Dollars in

Thousands)</font></font></b></p>



<p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="97%" style="width:97.0%;

 margin-left:.2in;border-collapse:collapse;">

 <tr>

  <td width="28%" valign="bottom" style="width:28.78%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

  font-weight:bold">September 30, 2001<br>

  (Dollars in Thousands)</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">RATE/<br>

  MATURITY 3 MONTHS OR LESS</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">RATE/<br>

  MATURITY OVER 3 MONTHS TO 1 YEAR</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">RATE/<br>

  MATURITY OVER 1 YEAR TO 5 YEARS</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">RATE/<br>

  MATURITY OVER 5 YEARS</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">TOTAL</font></font></b></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="bottom" style="width:28.78%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <td width="28%" valign="bottom" bgcolor="#cceeff" style="width:28.78%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';">SECTION A</font></font></p>

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  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

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  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="center" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-autospace:none;">&nbsp;</p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">RATE SENSITIVE ASSETS</font></font></p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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 </tr>

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  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">FED FUNDS SOLD</font></font></p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

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  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.44%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">19,800</font></font></p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">19,800</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">DUE FROM BANK INT EARNING</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">990</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">396</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">99</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,485</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">INVESTMENT SECURITIES</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.36%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">326,859</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">423,376</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,938,621</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">151,659</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,840,515</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">LOANS, NET OF NON-ACCRUALS</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,646,826</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">183,146</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">320,863</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">222,363</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,373,198</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.36%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">TOTAL EARNING ASSETS</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.44%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,994,475</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">606,918</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,259,583</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">374,022</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,234,998</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.36%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">CUMULATIVE EARNING ASSETS</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.44%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,994,475</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,601,393</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">4,860,976</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;border:none;border-bottom:

  double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">5,234,998</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;

  border-bottom:double windowtext 1.5pt;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.36%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">SECTION B</font></font></p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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 </tr>

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  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">RATE SENSITIVE LIABILITIES</font></font></p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

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  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

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  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">TIME DEPOSITS</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.44%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,177,005</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">962,385</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">119,659</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,129</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,261,178</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">OTHER INT BEARING DEPOSITS</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.36%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">952,683</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">952,683</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">FED FUNDS PURCHASED &amp; REPOS</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">105,764</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">56,161</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">300,000</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">461,925</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">OTHER BORROWINGS</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.36%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">918,000</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">108</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">-</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">918,108</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">TOTAL INTEREST BEARING LIABILITIES</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.44%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,153,452</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1,018,546</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">119,767</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">302,129</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:solid windowtext .5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  border:none;border-bottom:solid windowtext .5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">4,593,894</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">CUMULATIVE SENSITIVE LIABILITIES</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.44%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">3,153,452</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">4,171,998</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">4,291,765</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;border:none;

  border-bottom:double windowtext 1.5pt;background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  border:none;border-bottom:double windowtext 1.5pt;background:#CCEEFF;

  padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">4,593,894</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;border:none;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">SECTION C</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.36%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

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 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">REPRICING GAP</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.44%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(1,158,977</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(411,628</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">2,139,816</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">71,893</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" bgcolor="#cceeff" style="width:.92%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" bgcolor="#cceeff" style="width:11.4%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">641,104</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">CUMULATIVE REPRICING GAP</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.44%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(1,158,977</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(1,570,605</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">)</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">569,211</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="0%" valign="bottom" style="width:.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">$</font></font></p>

  </td>

  <td width="11%" valign="bottom" style="width:11.4%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">641,104</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" bgcolor="#cceeff" style="width:28.78%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">RATIO OF INTEREST-SENSITIVE ASSETS TO

  LIABILITIES</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.36%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.63</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.60</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">18.87</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1.24</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.6%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" bgcolor="#cceeff" style="width:12.32%;

  background:#CCEEFF;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1.14</font></font></p>

  </td>

  <td width="1%" valign="bottom" bgcolor="#cceeff" style="width:1.58%;background:

  #CCEEFF;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="28%" valign="top" style="width:28.78%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:10.0pt;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:-10.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">RATIO OF CUMULATIVE, INTEREST- SENSITIVE

  ASSETS TO LIABILITIES</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.36%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.63</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">.62</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1.13</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">1.14</font></font></p>

  </td>

  <td width="1%" valign="bottom" style="width:1.6%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

  <td width="12%" colspan="2" valign="bottom" style="width:12.32%;padding:0in .7pt .7pt .7pt">

  <p align="right" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="1%" valign="bottom" style="width:1.58%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>

  </td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Financial Modernization Legislation</font></font></u></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; On November 12, 1999, the Gramm-Leach-Bliley Act of 1999 (&#147;GLBA&#148;) was

enacted.&#160; This comprehensive legislation

eliminates the barriers to affiliations among banks, securities firms,

insurance companies and other financial service providers.&#160; GLBA provides for a new type of financial

holding company structure under which affiliations among these entities may

occur.&#160; Under GLBA, a financial holding

company may engage in a broad list of financial activities and any

non-financial activity that the FRB determines is complementary to a financial

activity and poses no substantial risk to the safety and soundness of

depository institutions or the financial system.&#160; In addition, GLBA permits certain non-banking financial and

financially related activities to be conducted by financial subsidiaries of a

national bank.&#160; Additionally, GLBA imposes

strict new privacy disclosure and opt-out requirements regarding the ability of

financial institutions to share personal non-public customer information with

third parties.</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Under the GLBA, a bank holding company may become certified as a

financial holding company by filing a declaration with the FRB, together with a

certification that each of its subsidiary banks is well capitalized, is well

managed, and has at least a satisfactory rating under the Community

Reinvestment Act of 1977 (&#147;CRA&#148;).&#160; The

Company has elected to become a financial holding company under GLBA and the

election was made effective by the FRB as of March 13, 2000.&#160; Effective October 2, 2000, the Company

acquired a controlling interest in Gulf Star Group, a Houston-based investment

banking firm serving middle-market corporations primarily in Texas.&#160; The Gulf Star acquisition was the first

financial activity permitted by GLBA to be engaged in by the Company.&#160; The Company announced on July 23, 2001 that

GulfStar expanded and opened an office in Dallas, Texas.</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;">&nbsp;</p>



<h6 align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:left;text-autospace:none;text-decoration:underline;"><b><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Forward Looking Information</font></font></u></b></h6>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Certain matters discussed in this report,

excluding historical information, include forward-looking statements.&#160; Although the Company believes such

forward-looking statements are based on reasonable assumptions, no assurance

can be given that every objective will be reached.&#160; The words &#147;estimate,&#148; &#147;expect,&#148; &#147;intend&#148; and &#147;project,&#148; as well

as other words or expressions of similar meaning are intended to identify forward-looking

statements.&#160; Readers are cautioned not

to place undue reliance on forward-looking statements, which speak only as of

the date of this report.&#160; Such

statements are based on current expectations, are inherently uncertain, are

subject to risks and should be viewed with caution.&#160; Actual results and experience may differ materially from the

forward-looking statements as a result of many factors.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;

font-family:'Times New Roman'">Factors that could cause actual results to

differ materially from any results that are projected, forecasted, estimated or

budgeted by the Company in forward-looking statements include, among others,

the following possibilities:&#160; (I)

changes in local, state, national and international economic conditions, (II)

changes in the capital markets utilized by the Company and its subsidiaries,

including changes in the interest rate environment that may reduce margins,

(III) changes in state and/or federal laws and regulations to which the Company

and its subsidiaries, as well as their customers, competitors and potential

competitors, are subject, including, without limitation, banking, tax,

securities, insurance and employment laws and regulations, and (IV) the loss of

senior management or operating personnel, and (V) increased competition from

both within and without the banking industry.&#160;

It is not possible to foresee or identify all such factors.&#160; The Company makes no commitment to update

any forward-looking statement, or to disclose any facts, events or

circumstances after the date hereof that may affect the accuracy of any

forward-looking statement.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">Item 3.&#160; <u>Quantitative and Qualitative Disclosure

about Market Risk</u></font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; During the first nine months of 2001, there were no material changes in

market risk exposures that affected the quantitative and qualitative

disclosures regarding market risk presented in the Company&#146;s Form 10-K for the

year ended December 31, 2000.&#160; See

Liquidity and Capital Resources under management discussion and analysis of

financial condition and results of operations for additional information.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">Item 5.&#160;

<u>Other Information</u></font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">The

Company announced that it has agreed with San Antonio based National Bancshares

Corporation of Texas (&#147;National Bancshares&#148;) to acquire all of the issued and

outstanding shares of common stock of National Bancshares pursuant to a cash

tender offer (the &#147;Tender Offer&#148;).&#160; The

Boards of both companies have approved the transaction.&#160; The Tender Offer was commenced on August 9,

2001.&#160; The Company, on October 30, 2001,

received the requisite approval of the Federal Reserve Board pursuant to the

Bank Holding Company Act of 1956 for the consummation of the Tender Offer for

National Bancshares.&#160; Assuming

successful completion of the Tender Offer, National Bancshares would be merged

with a subsidiary of IBC, and all of the remaining National Bancshares

shareholders (other than those who perfect their dissenters&#146; rights under Texas

law) would receive the same price paid in the Tender Offer in cash.&#160; The Tender Offer is subject to the

expiration of a fifteen (15) day waiting period during which the Department of

Justice may challenge the Tender Offer and the merger on antitrust

grounds.&#160; The Tender Offer is also

subject to the tender of at least two-thirds of the shares of National

Bancshares and the approval of the merger by the shareholders of National

Bancshares.&#160; The subsequent merger is

subject to regulatory approvals.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">Item 6.&#160; <u>Exhibits and Reports on Form 8-K</u></font></font></b></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Exhibits</u></font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; None.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">(b)

&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Reports on Form 8-K</u></font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Registrant filed a current report on Form 8-K

on August 27, 2001, covering Item 5 - Other Events and Item 7 - Financial

Statements and Exhibits in connection with the announcement of a cash dividend

by the Company.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Registrant filed a current report on Form 8-K on October 26, 2001,

covering Item 5 &#150; Other Events and Item 7 &#150; Financial Statements and Exhibits

in connection with the announcement<font style="letter-spacing:-.1pt"> of the

Company&#146;s Third Quarter Earnings.</font></font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-autospace:none;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p align="left" style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:left;text-autospace:none;"><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">SIGNATURES</font></font></u><font face="Times New Roman"><font style="font-family:'Times New Roman'">&#160;&#160;&#160;&#160; Pursuant to the requirements of the

Securities Exchange Act of 1934, the registrant has duly caused this report to

be signed on its behalf by the undersigned thereunto duly authorized.</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<table width="92%" style="width:92.64%;

 border-collapse:collapse;">

 <tr>

  <td width="6%" valign="top" style="width:6.12%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="33%" valign="top" style="width:33.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" valign="top" style="width:13.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="46%" valign="top" style="width:46.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">INTERNATIONAL BANCSHARES CORPORATION</font></font></u></p>

  </td>

 </tr>

 <tr>

  <td width="6%" valign="top" style="width:6.12%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="33%" valign="top" style="width:33.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" valign="top" style="width:13.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="46%" valign="top" style="width:46.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="6%" valign="top" style="width:6.12%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="33%" valign="top" style="width:33.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" valign="top" style="width:13.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="46%" valign="top" style="width:46.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="6%" valign="top" style="width:6.12%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Date:</font></font></p>

  </td>

  <td width="33%" valign="top" style="width:33.92%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">November 14, 2001</font></font></p>

  </td>

  <td width="13%" valign="top" style="width:13.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="46%" valign="top" style="width:46.04%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">/s/ Dennis E. Nixon</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="6%" valign="top" style="width:6.12%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="33%" valign="top" style="width:33.92%;border:none;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" valign="top" style="width:13.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="46%" valign="top" style="width:46.04%;border:none;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Dennis E. Nixon<br>

  President</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="6%" valign="top" style="width:6.12%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="33%" valign="top" style="width:33.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" valign="top" style="width:13.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="46%" valign="top" style="width:46.04%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="6%" valign="top" style="width:6.12%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Date:</font></font></p>

  </td>

  <td width="33%" valign="top" style="width:33.92%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">November 14, 2001</font></font></p>

  </td>

  <td width="13%" valign="top" style="width:13.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="46%" valign="top" style="width:46.04%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">/s/ Imelda Navarro</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="6%" valign="top" style="width:6.12%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="33%" valign="top" style="width:33.92%;border:none;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="13%" valign="top" style="width:13.92%;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;">&nbsp;</p>

  </td>

  <td width="46%" valign="top" style="width:46.04%;border:none;padding:0in .7pt .7pt .7pt">

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Imelda Navarro </font></font></p>

  <p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">Treasurer&#160;

  (Chief Accounting Officer))</font></font></p>

  </td>

 </tr>

</table>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



<p style="font-family:Courier;font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:-4.25in;margin-top:0in;text-autospace:none;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman'">&nbsp;</font></font></p>



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