<SUBMISSION>
<ACCESSION-NUMBER>0001169232-07-001425
<TYPE>10-K
<PUBLIC-DOCUMENT-COUNT>8
<PERIOD>20061231
<FILING-DATE>20070315
<DATE-OF-FILING-DATE-CHANGE>20070315
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>COMMUNITY BANK SYSTEM INC
<CIK>0000723188
<ASSIGNED-SIC>6021
<IRS-NUMBER>161213679
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>10-K
<ACT>34
<FILE-NUMBER>001-13695
<FILM-NUMBER>07696221
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>5790 WIDEWATERS PKWY
<CITY>DEWITT
<STATE>NY
<ZIP>13214
<PHONE>8007242262
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>5790 WIDEWATERS PARKWAY
<CITY>DEWITT
<STATE>NY
<ZIP>13214
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>d71253_10-k.htm
<DESCRIPTION>ANNUAL REPORT
<TEXT>
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<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>UNITED STATES SECURITIES AND EXCHANGE
COMMISSION <BR>
Washington, D.C. 20549</B></FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>FORM 10-K</U></B></FONT></P>

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<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
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<TR>
<TD VALIGN=TOP>
<P><FONT  SIZE=2 FACE=WINGDINGS><B>x</B></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>ANNUAL
  REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="2">For the fiscal year ended December 31, 2006 </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT  SIZE=2 FACE=WINGDINGS><B>o</B></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>TRANSITION
  REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934
  </B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="2">For the transition period from _________ to __________ <BR>Commission file
number 001-13695</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

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<TD WIDTH="18%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="77%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP colspan=2>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><IMG SRC="d71253002.jpg" ALT="(LOGO)"></FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>COMMUNITY BANK SYSTEM, INC.</B></FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>(Exact name of registrant as specified in its charter)</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

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<TR style="font-size:1px" >
<TD WIDTH="46%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="15%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="38%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Delaware</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>16-1213679</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>(State or
  other jurisdiction of incorporation or organization)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>(I.R.S. Employer Identification No.)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>5790 Widewaters Parkway, DeWitt, New York</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>13214-1883</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="50%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>(Address of principal executive offices)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>(Zip Code)</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

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<TR style="font-size:1px" >
<TD WIDTH="100%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
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<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>(315) 445-2282</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="15%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Registrant&#146;s telephone number, including area code</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=600>
<TR style="font-size:1px" >
<TD WIDTH="45%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="44%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD COLSPAN="3" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Securities registered pursuant of Section
  12(b) of the Act:</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Title of each class</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Name of each exchange on which registered</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Common Stock, Par Value $1.00</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York Stock Exchange</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Securities registered pursuant to Section
12(g) of the Act: None</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Indicate by check mark if the
registrant is a well-known seasoned issuer, as defined in Rule 405 of the
Securities Act. Yes <FONT  FACE=WINGDINGS>o</FONT> No <FONT FACE=WINGDINGS>x</FONT>.
</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Indicate by check mark if the
registrant is not required to file reports pursuant to Section 13 or Section
15(d) of the Act. Yes <FONT  FACE=WINGDINGS>o</FONT> No <FONT  FACE=WINGDINGS>x</FONT>. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>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. Yes <FONT  FACE=WINGDINGS>x</FONT> No  <FONT FACE=WINGDINGS>o</FONT>.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Indicate by
check mark if disclosure of delinquent filers pursuant to Item 405 of
Regulation S-K (&#167;229.405
of this chapter) is not contained herein, and will not be contained, to the
best of the registrant&#146;s knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any
amendment of this Form 10-K. <FONT FACE=WINGDINGS>o</FONT></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Indicate by
check mark whether the registrant is a large accelerated filer, an accelerated
filer, or a non-accelerated filer. See definition of &#147;accelerated filer and
large accelerated filer&#148; in Rule 12b-2 of the Exchange Act. (Check one): </FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=600>
<TR style="font-size:1px" >
<TD WIDTH="35%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="29%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="35%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Large accelerated filer &nbsp;&nbsp;&nbsp;<FONT   FACE=WINGDINGS>o</FONT></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Accelerated
  filer &nbsp;&nbsp;&nbsp;<FONT  FACE=WINGDINGS>x</FONT></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Non-accelerated filer &nbsp;&nbsp;&nbsp;<FONT   FACE=WINGDINGS>o</FONT></FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Indicate by
check mark whether the registrant is shell company (as defined in Rule 12b-2 of
the Act). Yes <FONT  FACE=WINGDINGS>o</FONT>  No <FONT FACE=WINGDINGS>x</FONT></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>State the
aggregate market value of the voting and non-voting common equity held by
non-affiliates computed by reference to the price at which the common equity
was last sold, or the average bid and ask price of such common equity, as of
the last business day of the registrant&#146;s most recently completed second fiscal
quarter $&nbsp;<U>579,986,030</U>. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Indicate the
number of shares outstanding of each of the registrant&#146;s classes of common
stock, as of the latest practicable date. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><U>30,157,455 shares of Common Stock, $1.00 par
value, were outstanding on February 28, 2007.</U></FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>DOCUMENTS INCORPORATED BY REFERENCE.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Portions of Definitive Proxy Statement for Annual Meeting of Shareholders to be
held on May 15, 2007 (the &#147;Proxy Statement&#148;) is incorporated by reference in
Part III of this Annual Report on Form 10-K. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Exhibit Index is located on page 75 of 86 </FONT></P>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>

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<P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>TABLE OF CONTENTS</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=600>
<TR style="font-size:1px" >
<TD WIDTH="7%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="75%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Page</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>

</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><A HREF="#A1">PART I</A><A HREF="#A1"></A></B></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A1"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A1"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A2">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A2">1.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A2"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A2">Business</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A3">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A3">1A.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A3"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A3">Risk
Factors</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A4">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A4">1B.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A4"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A4">Unresolved Staff
Comments</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A5">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A5">2.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A5"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A5">Properties</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A6">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A6">3.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A6"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A6">Legal
Proceedings</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A7">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A7">4.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A7"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A7">Submission of
Matters to a Vote of Security
  Holders</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A8">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A8">4A.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A8"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A8">Executive
Officers of the Registrant</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><A HREF="#A9">PART II</A></B><A   HREF="#A9"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A9"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A9"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A10">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A10">5.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A10"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A10">Market for
Registrant&#146;s Common Stock,
  Related Shareholders Matters and Issuer Purchases of Equity Securities</A></FONT></P>
</TD>
<TD VALIGN=bottom>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A11">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A11">6.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A11"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A11">Selected
Financial Data</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A12">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A12">7.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A12"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A12">Management&#146;s Discussion and Analysis of
  Financial Condition and Results of Operations</A></FONT></P>
</TD>
<TD VALIGN=bottom>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A13">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A13">7A.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A13"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A13">Quantitative and
Qualitative Disclosures
  about Market Risk</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A14">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A14">8.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A14"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A14">Financial
Statements and Supplementary
  Data:</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A15"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A15"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A15"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A15">Consolidated Statements of Condition</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A16"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A16"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A16"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A16">Consolidated Statements of Income</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>42</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A17"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A17"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A17"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A17">Consolidated Statements of Changes in
  Shareholders&#146; Equity</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A18"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A18"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A18"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A18">Consolidated Statements of Comprehensive
  Income</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A19"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A19"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A19"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A19">Consolidated Statements of Cash Flows</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>45</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Notes to
Consolidated Financial Statements</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>46</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A20"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A20"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A20"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A20">Report on Internal Control over Financial
  Reporting</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>71</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A21"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A21"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A21"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A
HREF="#A21">Report of Independent Registered Public
  Accounting Firm</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>72</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A22"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A22"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A22"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A22">Two Year
Selected Quarterly Data</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A23">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A23">9.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A23"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A23">Changes in and
Disagreements with
  Accountants on Accounting and Financial Disclosure</A></FONT></P>
</TD>
<TD VALIGN=bottom>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A24">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A24">9A.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A24"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A24">Controls and
Procedures</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A25">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A25">9B.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A25"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A25">Other
Information</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><A HREF="#A26">PART III</A><A HREF="#A26"></A></B></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A26"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A26"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A27">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A27">10.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A27"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A27">Directors and
Executive Officers of the
  Registrant</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>74</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A28">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A28">11.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A28"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A28">Executive
Compensation</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>74</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A29">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A29">12.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A29"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A29">Security
Ownership of Certain Beneficial
  Owners and Management and Related Stockholder Matters</A></FONT></P>
</TD>
<TD VALIGN=bottom>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>74</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A30">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A30">13.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A30"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A30">Certain
Relationships and Related
  Transactions</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>74</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A31">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A31">14.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A31"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A31">Principal
Accounting Fees and Services</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>74</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><A HREF="#A32">PART IV</A><A HREF="#A32"></A></B></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A32"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A32"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A33">Item</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A33">15.</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A33"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A33">Exhibits,
Financial Statement Schedules,
  and Reports on Form 8-K</A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><A HREF="#A34">Signatures</A><A   HREF="#A34"></A><A HREF="#A34"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><A HREF="#A34"></A></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>80</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>


<P ALIGN=CENTER><A NAME=A1></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Part I</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>This Annual Report on Form 10-K contains certain
forward-looking statements with respect to the financial condition, results of
operations and business of Community Bank System, Inc. These forward-looking
statements involve certain risks and uncertainties. Factors that may cause
actual results to differ materially from those contemplated by such
forward-looking statements are set forth herein under the caption
&#147;Forward-Looking Statements.&#148; The share and per-share information in this
document has been adjusted to give effect to a two-for-one stock split of the
Company&#146;s common stock effected as of April 12, 2004.</FONT></P>

<P><A NAME=A2></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 1. Business</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community Bank System, Inc.&nbsp;(&#147;the Company&#148;) was
incorporated on April 15, 1983, under the Delaware General Corporation Law. Its
principal office is located at 5790 Widewaters Parkway, DeWitt, New York 13214.
The Company maintains a website at communitybankna.com and
firstlibertybank.com. Annual reports on Form 10-K, quarterly reports on Form
10-Q and current reports on Form 8-K, and amendments to those reports, are
available on the Company&#146;s web-site free of charge as soon as reasonably
practicable after such reports or amendments are electronically filed with or
furnished to the Securities and Exchange Commission. The information on the
website is not part of this filing. Copies of all documents filed with the SEC
can also be obtained by visiting the SEC&#146;s Public Reference Room at 100 F
Street, NE, Washington, DC 20549, by calling the SEC at 1-800-SEC-0330 or by
accessing the SEC&#146;s website at http://www.sec.gov.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s business philosophy is to operate as a
community bank with local decision-making, principally in non-metropolitan
markets, providing a broad array of banking and financial services to retail,
commercial, and municipal customers. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community Bank System, Inc. is a single bank holding
company which wholly-owns five subsidiaries: Community Bank, N.A. (&#147;the Bank&#148;),
Benefit Plans Administrative Services, Inc. (&#147;BPAS&#148;), CFSI Closeout Corp.
(&#147;CFSICC&#148;), First of Jermyn Realty Co. (&#147;FJRC&#148;) and Town &amp; Country Agency
LLC (&#147;T&amp;C&#148;). BPAS owns two subsidiaries, Benefit Plans Administrative
Services LLC (&#147;BPA&#148;) and Harbridge Consulting Group LLC. BPAS provides
administration, consulting and actuarial services to sponsors of employee
benefit plans. CFSICC, FJRC and T&amp;C are inactive companies. The Company
also wholly-owns four unconsolidated subsidiary business trusts formed for the
purpose of issuing mandatorily redeemable preferred securities which are
considered Tier I capital under regulatory capital adequacy guidelines. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Bank operates 128 customer facilities throughout
twenty-three counties of Upstate New York and five counties of Northeastern
Pennsylvania offering a range of commercial and retail banking services. The Bank
owns the following subsidiaries: Community Investment Services, Inc. (&#147;CISI&#148;),
CBNA Treasury Management Corporation (&#147;TMC&#148;), CBNA Preferred Funding
Corporation (&#147;PFC&#148;), Nottingham Advisors, Inc. (&#147;Nottingham&#148;), First Liberty
Service Corp. (&#147;FLSC&#148;) and Brilie Corporation (&#147;Brilie&#148;). CISI provides
broker-dealer and investment advisory services. TMC provides the cash
management, investment, and treasury services to the Bank. PFC primarily is an
investor in residential real estate loans. Nottingham provides asset management
services to individuals, corporate pension and profit sharing plans, and
foundations. FLSC provides banking-related services to the Pennsylvania
branches of the Bank. Brilie was acquired as part of the Elmira acquisition and
invests in a partnership that develops land for resale as residential housing.</FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><I>Acquisition History (2002-2007)</I> </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Hand
Benefits &amp; Trust, Inc.</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On February 22, 2007, the Company announced an agreement pursuant to
which BPAS will acquire Hand Benefits &amp; Trust, Inc. (&#147;HBT&#148;) in an all cash
transaction. HBT is a Houston, Texas based provider of employee benefit plan
administration and trust services. The acquisition is expected to close during
the second quarter of 2007, pending customary regulatory approval.</FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>TLNB
Financial Corporation</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On January 9, 2007, the Company announced an agreement to acquire TLNB
Financial Corporation, parent company of Tupper Lake National Bank (&#147;TLNB&#148;), in
an all-cash transaction valued at approximately $17.6 million. Based in Tupper
Lake, N.Y., TLNB operates five branches in the northeastern New York State
cities of Tupper Lake, Plattsburgh and Saranac Lake, as well as an insurance
subsidiary, TLNB Insurance Agency, Inc. On a consolidated basis, TLNB has
approximately $100 million in assets and $87 million of deposits. The
acquisition is expected to close during the second quarter of 2007, pending
both customary regulatory and TLNB shareholder approval.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>ONB
Corporation</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On December 1, 2006, the Company acquired ONB Corporation (&#147;ONB&#148;), the
parent company of Ontario National Bank, a federally-chartered national bank,
in an all-cash transaction valued at approximately $15.7 million. ONB operated
four branches in the villages of Clifton Springs, Phelps, and Palmyra, New
York.</FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>ES&amp;L
Bancorp, Inc.</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On August 11, 2006, the Company acquired ES&amp;L
Bancorp, Inc. (&#147;Elmira&#148;), the parent company of Elmira Savings and Loan, F.A.,
a federally-chartered thrift, in an all-cash transaction valued at
approximately $40 million. Elmira operated two branches in the cities of Elmira
and Ithaca, New York. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Dansville
Branch Acquisition</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On December 3, 2004, the Company completed the purchase of a branch
office in Dansville, N.Y. (&#147;Dansville&#148;) from HSBC Bank USA, N.A with deposits
of $32.6 million and loans of $5.6 million. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>First Heritage
Bank</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On May 14, 2004, the Company acquired First Heritage Bank (&#147;First
Heritage&#148;), a closely held bank headquartered in Wilkes-Barre, PA with three
branches in Luzerne County, Pennsylvania. First Heritage&#146;s three branches
operate as part of First Liberty Bank &amp; Trust, a division of Community
Bank, N.A. Consideration included 2,592,213 shares of common stock with a fair
value of $52 million, employee stock options with a fair value of $3.0 million,
and $7.0 million of cash (including capitalized acquisition costs of $1.0
million). </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Grange
National Banc Corp.</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On November 24, 2003, the Company acquired Grange National Banc Corp.
(&#147;Grange&#148;), a $280 million-asset bank holding company based in Tunkhannock, Pa.
Grange&#146;s 12 branches operate as part of First Liberty Bank &amp; Trust, a
division of Community Bank, N.A. The Company issued approximately 2,294,000
shares of its common stock to certain of the former shareholders with a fair
value of $55 million. The remaining shareholders received $21.25 per share in cash
or approximately $20.9 million. In addition, Grange stock options representing
$5.4 million of fair value were exchanged for options to purchase shares in the
Company. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Peoples
Bankcorp Inc.</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On September 5, 2003, the Company acquired
Peoples Bankcorp, Inc. (&#147;Peoples&#148;), a $29-million-asset savings and loan
holding company based in Ogdensburg, New York. Peoples&#146; single branch is being
operated as a branch of the Bank&#146;s network of branches in Northern New York. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Harbridge
Consulting Group</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On July 31, 2003, the Company acquired PricewaterhouseCoopers&#146; Upstate
New York Global Human Resource Solutions consulting group. This practice has
been renamed Harbridge Consulting Group (&#147;Harbridge&#148;) and is a leading provider
of retirement and employee benefits actuarial consulting services throughout
Upstate New York, and is complementary to BPA, the Company&#146;s employee benefits
plan administration subsidiary. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><I>Services</I> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Bank is a community bank committed to the
philosophy of serving the financial needs of customers in local communities.
The Bank&#146;s branches are generally located in smaller towns and cities within
its geographic market areas of Upstate New York and Northeastern Pennsylvania.
The Company believes that the local character of business, knowledge of the customer
and customer needs, and comprehensive retail and business products, together
with responsive decision-making at the branch and regional level, enable the
Bank to compete effectively. The Bank is a member of the Federal Reserve System
and the Federal Home Loan Bank of New York (&#147;FHLB&#148;), and its deposits are
insured by the Federal Deposit Insurance Corporation (&#147;FDIC&#148;) up to applicable
limits.</FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><I>Competition</I> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The banking and financial services industry is highly
competitive in the New York and Pennsylvania markets. The Company competes
actively for loans, deposits and customers with other national and state banks,
thrift institutions, credit unions, retail brokerage firms, mortgage bankers,
finance companies, insurance companies, and other regulated and unregulated
providers of financial services. In order to compete with other financial
service providers, the Company stresses the community nature of its operations
and the development of profitable customer relationships across all lines of
business.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The table below summarizes the Bank&#146;s deposits and
market share by the twenty-eight counties of New York and Pennsylvania in which
it has customer facilities. Market share is based on deposits of all commercial
banks, credit unions, savings and loan associations, and savings banks.</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px" >
<TD WIDTH="3%" VALIGN=TOP>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=TOP>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=TOP>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=TOP>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=TOP>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=TOP>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="12" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Number of</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="12" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>County</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>State</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Deposits as of<BR>
  6/30/2006<BR>
  (000&#146;s omitted) <SUP>(1)</SUP></B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Market<BR>
  Share</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Facilities</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>ATM&#146;s</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Towns/</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  Cities</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Towns Where<BR>
  Company <BR>
  Has 1st or 2nd<BR>
  Market Position</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="19" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>

</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Allegany***</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;191,843</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>49.3%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Lewis</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>84,783</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>37.9%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Seneca</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>131,192</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>34.3%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Yates</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>74,061</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>30.3%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cattaraugus</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>285,068</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>28.1%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>St. Lawrence</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>367,381</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>26.7%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Wyoming</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>PA</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>88,657</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.3%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Franklin</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>81,698</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>16.1%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Chautauqua</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>198,004</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.1%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Livingston</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>83,625</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.0%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Schuyler</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18,150</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>12.5%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Steuben</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>181,135</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.8%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Jefferson</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>144,006</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.7%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Ontario*</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>164,057</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.2%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Chemung**</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>140,765</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.7%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Lackawanna</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>PA</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>448,212</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>9.9%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Tioga</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,336</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.1%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Wayne*</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>57,128</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.2%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Herkimer</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,330</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.0%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>20.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Luzerne</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>PA</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>253,360</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.4%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Susquehanna</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>PA</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22,271</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.1%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Oswego</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>42,509</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.9%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cayuga</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,179</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.5%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Bradford</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>PA</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21,708</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.5%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="19" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Subtotal</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,176,458</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.9%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>123</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>105</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>104</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>76</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Oneida</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>57,346</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.2%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Tompkins**</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,320</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.0%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Erie</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,188</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.1%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28.</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Onondaga</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>NY</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,492</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.1%</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="19" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$3,291,804</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.7%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>128</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>109</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>108</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>78</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="19" VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P style="margin-top:-3px"><SUP><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></SUP></P>
</TD>
<TD VALIGN=TOP>
<P  style="margin-top:3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Deposit market share data as of June 30, 2006, the
  most recent information available, calculated by Sheshunoff Information
  Services, Inc. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>* -</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Includes balances of Ontario National Bank which was
  acquired in December 2006. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>** -</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Includes balances of Elmira Savings and Loan which
  was acquired in August 2006. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>*** -</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Adjusted for the consolidation of the Friendship, NY
  branch into the Cuba, NY branch in October 2006.</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><I>Employees</I> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As of December&nbsp;31, 2006 the Company employed
1,352 full-time equivalent employees. The Company offers a variety of
employment benefits and considers its relationship with its employees to be
good. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>5</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><I>Supervision and Regulation</I> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Bank holding companies and national banks are
regulated by state and federal law. The following is a summary of certain laws
and regulations that govern the Company and the Bank. To the extent that the
following information describes statutory or regulatory provisions, it is
qualified in its entirety by reference to the actual statutes and regulations
thereunder.</FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Federal
Bank Holding Company Regulation</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company is registered under, and is subject to,
the Bank Holding Company Act of 1956, as amended. This Act limits the type of
companies that Community Bank System, Inc. may acquire or organize and the
activities in which it or they may engage. In general, the Company and the Bank
are prohibited from engaging in or acquiring direct or indirect control of any
corporation engaged in non-banking activities unless such activities are so
closely related to banking as to be a proper incident thereto. In addition, the
Company must obtain the prior approval of the Board of Governors of the Federal
Reserve System (the &#147;FRB&#148;) to acquire control of any bank; to acquire, with
certain exceptions, more than five percent of the outstanding voting stock of
any other corporation; or, to merge or consolidate with another bank holding
company. As a result of such laws and regulation, the Company is restricted as
to the types of business activities it may conduct and the Bank is subject to
limitations on, among others, the types of loans and the amounts of loans it
may make to any one borrower. The Financial Modernization Act of 1999 created,
among other things, a new entity, the &#147;financial holding company&#148;. Such
entities may engage in a broader range of activities that are &#147;financial in
nature&#148;, including insurance underwriting, securities underwriting and merchant
banking. Bank holding companies which are well capitalized and well managed
under regulatory standards may convert to financial holding companies
relatively easily through a notice filing with the FRB, which acts as the
&#147;umbrella regulator&#148; for such entities. The Company may seek to become a
financial holding company in the future. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Federal
Reserve System</U> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company is required by the Board of Governors of
the Federal Reserve System to maintain cash reserves against its deposits.
After exhausting other sources of funds, the Company may seek borrowings from
the Federal Reserve for such purposes. Bank holding companies registered with
the FRB are, among other things, restricted from making direct investments in
real estate. Both the Company and the Bank are subject to extensive supervision
and regulation, which focus on, among other things, the protection of
depositors&#146; funds. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Federal Reserve System also regulates the national
supply of bank credit in order to influence general economic conditions. These
policies have a significant influence on overall growth and distribution of
loans, investments and deposits, and affect the interest rates charged on loans
or paid for deposits.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Fluctuations in interest rates, which may result from
government fiscal policies and the monetary policies of the Federal Reserve
System, have a strong impact on the income derived from loans and securities,
and interest paid on deposits. While the Company and the Bank strive to
anticipate changes and adjust their strategies for such changes, the level of earnings
can be materially affected by economic circumstances beyond their control.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company and the Bank are subject to minimum
capital requirements established, respectively, by the FRB, the OCC (as defined
below) and the FDIC. For information on these capital requirements and the
Company&#146;s and the Bank&#146;s capital ratios see &#147;Management&#146;s Discussion and
Analysis of Financial Condition and Results of Operations - Capital&#148; and Note P
to the Financial Statements. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Office
of Comptroller of the Currency</U> </FONT></P>

<P STYLE='MARGIN-RIGHT:0IN; MARGIN-LEFT:0IN'><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Bank is supervised and regularly
examined by the Office of the
Comptroller of the Currency (the &#147;OCC&#148;). The various laws and regulations
administered by the OCC affect corporate practices such as payment of
dividends, incurring debt, and acquisition of financial institutions and other
companies. It also affects business practices, such as payment of interest on
deposits, the charging of interest on loans, types of business conducted and
location of offices. There are no regulatory orders or outstanding issues
resulting from regulatory examinations of the Bank.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>6</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><U>Sarbanes-Oxley
Act of 2002</U></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Sarbanes Oxley Act of 2002 (the &#147;Sarbanes-Oxley
Act&#148;) implemented a broad range of corporate governance, accounting and
reporting reforms for companies that have securities registered under the
Securities Exchange Act of 1934. In particular, the Sarbanes-Oxley Act
established, among other things: (i) new requirements for audit and other key
committees involving independence, expertise levels, and specified
responsibilities; (ii) additional responsibilities regarding the oversight of
financial statements by the Chief Executive Officer and Chief Financial Officer
of the reporting company; (iii) the creation of an independent accounting
oversight board for the accounting industry; (iv) new standards for auditors
and the regulation of audits, including independence provisions which restrict
non-audit services that accountants may provide to their audit clients; (v)
increased disclosure and reporting obligations for the reporting company and
its directors and executive officers including accelerated reporting of company
stock transactions; (vi) a prohibition of personal loans to directors and
officers, except certain loans made by insured financial institutions on
nonpreferential terms and in compliance with other bank regulator requirements;
and (vii)&nbsp;a range of new and increased civil and criminal penalties for
fraud and other violation of the securities laws.  </FONT></P>

<P><A NAME=A3></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 1A. Risk Factors</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Investment in Community Bank System, Inc. common stock
involves risk. The market price of the Company&#146;s common stock may fluctuate
significantly in response to a number of factors including, but not limited to:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="90%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Changes in securities analysts&#146; expectations of
  financial performance</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Volatility of stock market prices and volumes</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Incorrect information or speculation</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Changes in industry valuations</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Interest rate changes</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Variations in operating results from general
  expectations</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Actions taken against the Company by various
  regulatory agencies</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Changes in authoritative accounting guidance by
  Financial Accounting Standards Board or other regulatory agencies</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Changes in general domestic economic conditions such
  as inflation rates, tax rates, unemployment rates, labor and healthcare cost
  trend rates, recessions, and changing government policies, laws and
  regulations</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s main markets are located in the states
of New York and Pennsylvania. A prolonged economic downturn in these markets
could negatively impact the Company.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s income and cash flow depends to a great
extent on the difference between the interest earned on loans and investment
securities, and the interest paid on deposits and borrowings. Interest rates
are beyond the Company&#146;s control, and they fluctuate in response to general
economic conditions and the policies of various governmental and regulatory
agencies, in particular, the Federal Reserve Board. Changes in monetary policy,
including changes in interest rates, will influence the origination of loans,
the purchase of investments, the generation of deposits and the rates received
on loans and investment securities and paid on deposits. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company and its subsidiaries are subject to
extensive state and federal regulation, supervision and legislation that govern
nearly every aspect of its operations. Changes to these laws could affect the
Company&#146;s ability to deliver or expand its services and diminish the value of
its business.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The business strategy of the Company includes growth
through acquisition. Any future acquisitions will be accompanied by the risks
commonly encountered in acquisitions. These risks include among other things;
the difficulty of integrating the operations and personnel of acquired banks
and branches, the potential disruption of our ongoing business, the inability
of our management to maximize our financial and strategic position, and the
inability to maintain uniform standards, controls, procedures and policies and
the impairment of relationships with employees and customers as a result of
changes in management. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company relies on communication, information,
operating and financial control systems from third-party service providers. Any
failure or interruption or breach in security of these systems could result in
failures or interruptions in our customer relationship management, general
ledger, deposit, servicing and/or loan origination systems.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Readers are cautioned that it is not possible to
predict or identify all of the risks, uncertainties and other factors that may
affect future results and that the above list should not be considered to be a
complete list.</FONT></P>

<P><A NAME=A4></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 1B. Unresolved Staff Comments
</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>None</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><A NAME=A5></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 2. Properties</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s primary headquarters is located at 5790
Widewaters Parkway, Dewitt, New York, which is leased. In addition, the Company
has 138 properties, 93 are owned and 45 are located in long-term leased
premises. Real property and related banking facilities owned by the Company at
December&nbsp;31, 2006 had a net book value of $48.9 million and none of the
properties was subject to any material encumbrances. For the year ended
December&nbsp;31, 2006, rental fees of $2.7 million were paid on facilities
leased by the Company for its operations. The Company believes that its
facilities are suitable and adequate for the Company&#146;s current operations.</FONT></P>

<P><A NAME=A6></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 3. Legal Proceedings</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company and its subsidiaries are subject in the
normal course of business to various pending and threatened legal proceedings
in which claims for monetary damages are asserted. Management, after
consultation with legal counsel, does not anticipate that the aggregate
liability, if any, arising out of litigation pending against the Company or its
subsidiaries will have a material effect on the Company&#146;s consolidated
financial position or results of operations.</FONT></P>

<P><A NAME=A7></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 4. Submission of Matters to a Vote of Security
Holders</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>There were no matters submitted to a vote of the
shareholders during the quarter ended December 31, 2006. </FONT></P>

<P><A NAME=A8></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U><I>Item 4A. Executive Officers of the Registrant</I></U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The executive officers of the Company and the Bank who
are elected by the Board of Directors are as follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="24%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="68%" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Name</B></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Age</B></FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Position</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="40%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="80%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="20%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mark E. Tryniski</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>46</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Director, President and Chief Executive Officer of
  the Company and the Bank. Mr. Tryniski assumed his current position in August
  2006. He served as Executive Vice President and Chief Operating Officer from
  March 2004 to July 2006 and as the Treasurer and Chief Financial Officer from
  June 2003 to March 2004. He previously served as a partner in the Syracuse
  office of PricewaterhouseCoopers LLP, with eighteen years of experience working
  with SEC registrants in banking and other industries.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Scott A. Kingsley</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>42</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Treasurer of the Company, and Executive Vice
  President and Chief Financial Officer of the Bank. Mr. Kingsley joined the
  Company in August 2004 in his current position. He served as Vice President
  and Chief Financial Officer of Carlisle Engineered Products, Inc., a
  subsidiary of the Carlisle Companies, Inc., from 1997 until joining the
  Company.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Brian D. Donahue</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>50</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Executive Vice President and Chief Banking Officer.
  Mr. Donahue assumed his current position in August 2004. He served as the
  Bank&#146;s Chief Credit Officer from February 2000 to July 2004 and as the Senior
  Lending Officer for the Southern Region of the Bank from 1992 until June
  2004. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Timothy J. Baker</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>55</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Director of Special
  Projects. Mr. Baker assumed his current position in August 2004. He was
  previously the Senior Operations Officer of the Bank responsible for bank
  operations, special projects and technology innovation from 1995 to 2004. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Bernadette R. Barber</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>45</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Chief Human Resources
  Officer. Ms. Barber joined the Company in February 2005 in her current
  position. She served as Vice President of Human Resources and Administration
  for The Penn Traffic Company from 1997 until joining the Company. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>J. David Clark</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>52</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Chief Credit Officer. Mr.
  Clark assumed his current position in October 2004. He was previously the
  Commercial Market Manager in the Bank&#146;s Corning, New York market since April
  1993. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Stephen G. Hardy</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>52</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Chief Credit
  Administrator. Mr. Hardy assumed his current position in December 2006. He
  served as the Bank&#146;s Senior Vice President and Credit Risk Manager from
  January 2004 to November 2006 and as a Senior Regional Loan Officer from May
  2001 to December 2003.  He joined the
  former First Liberty Bank Corp. in August 1999 as Senior Vice President of
  Operations and was named its Senior Loan Officer in January 2001. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Richard M. Heidrick</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>48</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Retail Banking
  Administrator. Mr. Heidrick assumed his current position in July 2006. He
  previously served as Vice President of Loan Administration from 1998 until
  July 2006 and held several management positions within the lending,
  collections and facilities areas of the bank prior to that. He joined
  Community Bank in May 1986 from Cattaraugus County Bank.</FONT></P>
</TD>
</TR>
</TABLE>

<p Align=center><FONT Face="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="24%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="68%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Name</B></FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Age</B></FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Position</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="40%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="80%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="20%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Claire F. LaGarry</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>57</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President, Retail Banking Manager. Ms.
  LaGarry assumed her current position in February 2007. She previously served
  as Retail Banking Manager from 1992 until her current appointment. She has 38
  years of experience in various management positions at the Company at many
  different levels.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Joseph J. Lemchak</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>45</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Chief Investment Officer.
  Mr. Lemchak joined the Company in 1990 and since May 1991 he has served in
  the dual capacity of Chief Investment Officer and Asset/Liability Manager for
  the Bank.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Robert P. Matley</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>55</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Executive Vice President and Senior Lending Officer,
  PA Banking. Mr. Matley joined the Company in 2004. He was previously employed
  by First Heritage Bank, having joined that organization in 1994 as Executive
  Vice President and Senior Lending Officer. He was promoted to President and
  Chief Operating Officer in 2003 and served in that capacity until the merger
  with the Company in 2004.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Thomas A. McCullough</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>60</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>President, Pennsylvania Banking. Mr. McCullough
  joined the Company in November 2003 in his current position. He was
  previously the President and Chief Executive Officer of Grange National Banc
  Corp. from 1989 until its merger with the Company.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>W. Valen McDaniel</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>60</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Chief Risk Officer. Mr.
  McDaniel assumed his current position in January 2004. He served as the
  Company&#146;s corporate auditor and risk manager since joining the Company in
  June 1991. He is responsible for the insurance portfolio, audit function,
  compliance, loan review, and security of the bank and all subsidiaries. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Nicholas S. Russell</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>39</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Senior Commercial Lending
  Officer for the Northern Region. Mr. Russell assumed his current position in
  October 2006. Previously he served as Vice President and Commercial Team
  Leader from November 2004 until his present appointment and as Vice President
  and Commercial Lender in the northern New York market from January 2001 until
  November 2004. Prior to joining Community Bank Mr. Russell served as Vice
  President at Key Bank, N.A. in the middle market corporate banking group. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Harold M. Wentworth</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>42</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Director of Sales and
  Marketing. Mr. Wentworth assumed his current position in January 2005. He was
  previously a manager in the Bank&#146;s treasury department and was responsible
  for asset liability management and product development.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>J. Michael Wilson</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>36</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and Chief Technology Officer.
  Mr. Wilson joined the Company in June 2002 as Vice President of Information
  Technology and assumed his current position in October 2004. He previously
  held the position of Director of Technology Services for Unizan Bank in Ohio.
  </FONT></P>
</TD>
</TR>
</TABLE>
<P Align="center"><A NAME=A9></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Part II</B></FONT></P>

<P><A NAME=A10></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 5. Market for the Registrant&#146;s Common Stock,
Related
Shareholder Matters and Issuer Purchases of Equity Securities</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s common stock has been trading on the New
York Stock Exchange under the symbol &#147;CBU&#148; since December 31, 1997. Prior to
that, the common stock traded over-the-counter on the NASDAQ National Market
under the symbol &#147;CBSI&#148; beginning on September 16, 1986. There were 30,020,159
shares of common stock outstanding on December 31, 2006, held by approximately
3,609 registered shareholders of record. The following table sets forth the
high and low prices for the common stock, and the cash dividends declared with
respect thereto, for the periods indicated. The prices do not include retail
mark-ups, mark-downs or commissions. </FONT></P>

<TABLE ALIGN=CENTER BORDER=0 CELLSPACING=0 CELLPADDING=0 width=50%>
<TR style="font-size:1px" >
<TD WIDTH="21%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN="CENTER"><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Year / Qtr</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>High<BR>
  Price</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Low<BR>
  Price</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarterly<BR>
  Dividend</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>2006</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>4<SUP>th</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25.11</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.79</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.20 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>3<SUP>rd</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.84</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19.45</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.20 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>2<SUP>nd</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.38</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18.75</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.19 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>1<SUP>st</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.31</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>20.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.19 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>2005</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>4<SUP>th</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.19 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>3<SUP>rd</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26.12</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.63</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.19 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>2<SUP>nd</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.87</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.40</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.18 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>1<SUP>st</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28.30</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.41</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.18 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>9</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company has historically paid regular quarterly
cash dividends on its common stock, and declared a cash dividend of $0.20 per
share for the first quarter of 2007. The Board of Directors of the Company
presently intends to continue the payment of regular quarterly cash dividends
on the common stock, as well as to make payment of regularly scheduled
dividends on the trust preferred stock when due, subject to the Company&#146;s need
for those funds. However, because substantially all of the funds available for
the payment of dividends by the Company are derived from the Bank, future
dividends will depend upon the earnings of the Bank, its financial condition,
its need for funds and applicable governmental policies and regulations. </FONT></P>

<p><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
following graph compares cumulative total shareholders returns on the Company&#146;s
common stock over the last five fiscal years to the S&amp;P Small Cap
Commercial Banks Index, the NASDAQ Bank Index, the S&amp;P 600 Small Cap Index
(of which the Company became a member in 2004), and the Russell 2000 Index (of
which the Company became a member in 2003). Total return values were calculated
as of December 31 of each indicated year assuming a $100 investment on December
31, 2001 and reinvestment of dividends. The following table provides
information as of December 31, 2006 with respect to shares of common stock that
may be issued under the Company&#146;s existing equity compensation plans:</FONT></P>

<P Align=center><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>CBU
Long-term Total Return Performance Vs. Indices</B></FONT></P>

<P Align=center><B><IMG SRC="d71253001.jpg" ALT="(LINE GRAPH)"></B></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="34%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>12/31/2001</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>12/31/2002</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>12/31/2003</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>12/31/2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>12/31/2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>12/31/2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community Bank System, Inc.</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>124.10</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>199.97</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>237.19</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>195.38</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>206.56</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>S &amp;P 600 Small Cap Index</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>85.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>118.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>145.32</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>156.51</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>180.16</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>NASDAQ Bank Index</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>106.93</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>142.25</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>161.66</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>158.54</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>180.42</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>S&amp;P Small Cap Commercial Bank Index</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>107.07</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>143.49</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>174.09</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>158.54</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>170.46</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Russell 2000 Index</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>79.54</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>117.14</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>138.72</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>145.12</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>171.86</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>10</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following table provides
information as of December 31, 2006 with respect to shares of common stock that may be
issued under the Company&#146;s existing equity compensation plans. </FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="42%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Plan Category</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Number of<BR>
  Securities to be<BR>
  Issued upon<BR>
  Exercise of<BR>
  Outstanding Options,<BR>
  Warrants and Rights <SUP>(1</SUP></B><B><SUP><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></SUP></B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Weighted<BR>
  Average<BR>
  Exercise Price<BR>
  on Outstanding<BR>
  Options, Warrants</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  and Rights</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Number of<BR>
  Securities<BR>
  </B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Remaining<BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Available for<BR>
  Future Issuance</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Equity
  compensation plans approved by security holders:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>1994 Long Term
  Incentive Plan</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,616,586</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN="RIGHT"><FONT Face="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>16.78</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>2004 Long Term
  Incentive Plan</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>967,820</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN="RIGHT"><FONT Face="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.99</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,019,256 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:34.55PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>

<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,584,406</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN="RIGHT"><FONT Face="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>19.48</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>

<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,019,256 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="3%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="97%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P style="margin-top:-3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=TOP>
<P style="margin-top:3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2>The number of securities includes unvested
  restricted stock issued of 9,443.</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following table shows treasury stock purchases
during the fourth quarter 2006.</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="23%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="21%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="15%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Number of<BR>
  Shares<BR>
  Purchased</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average Price<BR>
  Paid<BR>
  Per share</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Total Number of Shares<BR>
  Purchased as Part of Publicly<BR>
  Announced Plans or Programs</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maximum Number of Shares<BR>
  That May Yet be Purchased<BR>
  Under the Plans or Programs</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>October 1-31, 2006 <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>853,161</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>

<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>646,839</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>November 1-30,2006 <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>853,161</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>

<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>646,839</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>December 1-31, 2006 <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>853,161</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>

<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,546,839</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:34.55PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>853,161</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>

<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,546,839</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P style="margin-top:-3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=TOP>
<P style="margin-top:3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2>All shares were repurchased through the Company&#146;s
  publicly announced share repurchase program. On April 20, 2005, the Company
  announced a twenty-month authorization to repurchase up to 1,500,000 of its
  outstanding shares in open market or privately negotiated transactions.  On December 20, 2006, the Company extended
  the program through December 31, 2008. Also, on December 20, 2006 the Company
  announced an additional two-year authorization to repurchase up to 900,000 of
  its outstanding shares in open market or privately negotiated transactions.
  These repurchases will be for general corporate purposes, including those
  related to stock plan activities.</FONT></P>
</TD>
</TR>
</TABLE>

<P><A NAME=A11></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 6. Selected Financial Data</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following table sets forth selected consolidated historical
financial data of the Company as of and for each of the years in the five-year
period ended December 31, 2006. The historical information set forth under the
captions &#147;Income Statement Data&#148; and &#147;Balance Sheet Data&#148; is derived from the
audited financial statements while the information under the captions &#147;Capital
and Related Ratios&#148;, &#147;Selected Performance Ratios&#148; and &#147;Asset Quality Ratios&#148;
for all periods is unaudited. All financial information in this table should be
read in conjunction with the information contained in &#147;Management&#146;s Discussion
and Analysis of Financial Condition and Results of Operations&#148; and with the
Consolidated Financial Statements and the related notes thereto included
elsewhere in this Annual Report on Form 10-K.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>11</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>


<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>SELECTED CONSOLIDATED FINANCIAL INFORMATION</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="43%" VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="14" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years
  Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="14" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(In thousands except per share data and ratios)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2003</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2002</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="16" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>

</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><B>Income Statement
Data:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Loan interest income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>167,113</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>147,608</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>137,077</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>125,256</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>130,859</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Investment interest
income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>64,788</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>71,836</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75,770</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>65,915</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>74,310</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest expense</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>97,092</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75,572</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>61,752</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>59,301</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>77,242</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net interest income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>134,809</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>143,872</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>151,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>131,870</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,927</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Provision for loan
losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,585</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,534</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,222</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other noninterest
income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,679</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48,401</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,321</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>37,887</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,312</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Gain (loss) on investment
securities &amp;
  early retirement of long-term borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,403</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>72</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,698</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,673</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Special charges/acquisition
expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>647</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,943</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,704</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>498</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>700</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other noninterest
expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>126,556</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>124,446</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>118,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>102,213</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>94,586</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income before income
taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,297</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>68,545</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>66,839</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>53,153</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>52,404</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,380</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,517</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted earnings per share
<SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.65</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.49</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.46
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted earnings per share
&#150; cash <SUP>(3)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.84</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.81</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.63
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><B>Balance Sheet
Data:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,229,271</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,303,117</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,584,633</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,329,645</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,286,583</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Loans, net of unearned
discount</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,701,558</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,411,769</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,358,420</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,128,446</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,806,826</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Allowance for loan
losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(36,313</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(31,778</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(29,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(26,331</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Intangible assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>246,136</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>224,878</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>232,500</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>196,111</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>134,828</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,497,797</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,152,529</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,393,295</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,854,984</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,436,837</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,168,299</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,983,507</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,927,524</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,723,950</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,503,607</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>805,495</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>653,090</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>920,511</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>667,786</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>543,575</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Shareholders&#146;
equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>461,528</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>457,595</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>474,628</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>404,828</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>325,038</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><B>Capital and Related
Ratios:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Cash dividend declared per
share <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.78</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.74</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.61</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.56</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Book value per share
<SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15.28</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15.49</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14.29</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12.52</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Tangible book value per share
<SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.17</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.77</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.90</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.33</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Market capitalization (in
millions)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>690</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>676</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>866</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>694</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>407</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Tier 1 leverage ratio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.81</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.57</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.94</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.05</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total risk-based capital to
risk-adjusted
  assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.18</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.01</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.32</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Tangible equity to tangible
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.07</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.93</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.82</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.70</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.76</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Dividend payout ratio</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>60.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40.2</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>37.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Period end common shares
outstanding <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,957</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,642</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28,330</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,957</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted weighted average shares
outstanding&nbsp;<SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,392</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,838</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,670</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27,035</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,334</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><B>Selected Performance
Ratios:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Return on assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.90</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.19</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.20</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.16</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.14</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Return on equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.36</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.89</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.39</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.78</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.07</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net interest margin</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.91</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.17</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.45</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.62</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Noninterest income/operating
income (FTE)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.1</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19.6</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18.6</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Efficiency
ratio<SUP>(2)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>59.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>56.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>52.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>53.4</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>52.1</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2><B>Asset Quality
Ratios:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Allowance for loan loss/loans
outstanding</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.34</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.35</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.35</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.46</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Nonperforming loans/loans
outstanding</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.55</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.55</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.62</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.65</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Allowance for loan
loss/nonperforming loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>288</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>245</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>245</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>219</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>225</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net charge-offs/average
loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.24</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.33</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.54</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.56</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Loan loss provision/net
charge-offs</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>108</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>110</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>104</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>109</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>125</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP colspan=2>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(1)</SUP>
All share
  and share-based amounts reflect the two-for-one stock split effected as a
  100% stock dividend on April 12, 2004.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP colspan=2>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(2)</SUP>
Efficiency
  ratio excludes intangible amortization, gain (loss) on investment securities
  &amp; debt extinguishments and special charges/acquisition expenses.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP colspan=2>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(3)</SUP>
Cash
  earnings are reconciled to GAAP net income in Table 1 on page 15.</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>12</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><A NAME=A12></A><U><B><I>Item 7. Management&#146;s Discussion and Analysis
of Financial Condition and Results of Operations</I></B></U> </FONT></P>

<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>This
Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations (&#147;MD&amp;A&#148;) primarily reviews the financial condition and results
of operations of Community Bank System, Inc. (&#147;the Company&#148;) for the past two
years, although in some circumstances a period longer than two years is covered
in order to comply with Securities and Exchange Commission disclosure
requirements or to more fully explain long-term trends. The following
discussion and analysis should be read in conjunction with the Selected
Consolidated Financial Information on page 12 and the Company&#146;s Consolidated
Financial Statements and related notes that appear on pages 41 through 70. All
references in the discussion to the financial condition and results of
operations are to the consolidated position and results of the Company and its
subsidiaries taken as a whole.</FONT></P>

<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unless
otherwise noted, all earnings per share (&#147;EPS&#148;) figures disclosed in the
MD&amp;A refer to diluted EPS; interest income, net interest income and net
interest margin are presented on a fully tax-equivalent (&#147;FTE&#148;) basis. The term
&#147;this year&#148; and equivalent terms refer to results in calendar year 2006, &#147;last
year&#148; and equivalent terms refer to calendar year 2005, and all references to
income statement results correspond to full-year activity unless otherwise
noted. All share and share-based amounts reflect the two-for-one stock split
effected as a 100% stock dividend on April 12, 2004.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>This
Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations contains certain forward-looking statements with respect to the
financial condition, results of operations and business of Community Bank
System, Inc. These forward-looking statements involve certain risks and
uncertainties. Factors that may cause actual results to differ materially from
those contemplated by such forward-looking statements are set herein under the
caption &#147;Forward-Looking Statements&#148; on page 37.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Critical Accounting Policies</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As a result of
the complex and dynamic nature of the Company&#146;s business, management must
exercise judgment in selecting and applying the most appropriate accounting
policies for its various areas of operations. The policy decision process not
only ensures compliance with the latest generally accepted accounting
principles, but also reflects on management&#146;s discretion with regard to
choosing the most suitable methodology for reporting the Company&#146;s financial
performance. It is management&#146;s opinion that the accounting estimates covering
certain aspects of the business have more significance than others due to the
relative importance of those areas to overall performance, or the level of
subjectivity in the selection process. These estimates affect the reported
amounts of assets and liabilities and disclosures of revenues and expenses
during the reporting period. Actual results could differ from those estimates.
Management believes that the critical accounting estimates include:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Allowance
  for loan losses &#150; The allowance for loan losses reflects management&#146;s best
  estimate of probable loan losses in the Company&#146;s loan portfolio.
  Determination of the allowance for loan losses is inherently subjective. It
  requires significant estimates including the amounts and timing of expected
  future cash flows on impaired loans and the amount of estimated losses on
  pools of homogeneous loans which is based on historical loss experience and
  consideration of current economic trends, all of which may be susceptible to
  significant change. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Actuarial
  assumptions associated with pension, post-retirement and other employee
  benefit plans &#150; These assumptions include discount rate, rate of future
  compensation increases and expected return on plan assets. Specific
  discussion of the assumptions used by management is discussed in Note K on
  pages 61 through 64.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Provision
  for income taxes &#150; The Company is subject to examinations from various taxing
  authorities. Such examinations may result in challenges to the tax return
  treatment applied by the Company to specific transactions. Management
  believes that the assumptions and judgments used to record tax-related assets
  or liabilities have been appropriate. Should tax laws change or the taxing authorities
  determine that management&#146;s assumptions were inappropriate, an adjustment may
  be required which could have a material effect on the Company&#146;s results of
  operations.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Carrying
  value of goodwill and other intangible assets &#150; The carrying value of
  goodwill and other intangible assets is based upon discounted cash flow
  modeling techniques that require management to make estimates regarding the
  amount and timing of expected future cash flows. It also requires them to
  select a discount rate that reflects the current return requirements of the
  market in relation to present risk-free interest rates, required equity
  market premiums and company-specific risk indicators.</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>A summary of
the accounting policies used by management is disclosed in Note A, &#147;Summary of
Significant Accounting Policies&#148;, starting on page 46. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>13</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Executive Summary</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
business philosophy is to operate as a community bank with local
decision-making, principally in non-metropolitan markets, providing a broad
array of banking and financial services to retail, commercial, and municipal
customers. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
core operating objectives are: (i) grow the branch network, primarily through a
disciplined acquisition strategy, and certain selective de novo expansions,
(ii) build profitable loan and deposit volume using both organic and
acquisition strategies, (iii) increase the non-interest income component of
total revenues through development of banking-related fee income, growth in
existing financial services business units, and the acquisition of additional
financial services and banking businesses, and (iv) utilize technology to
deliver customer-responsive products and services and to reduce operating
costs. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Significant
factors management reviews to evaluate achievement of the Company&#146;s operating
objectives and its operating results and financial condition include, but are
not limited to: net income and earnings per share, return on assets and equity,
net interest margins, noninterest income, operating expenses, asset quality, loan
and deposit growth, capital management, performance of individual banking and
financial services business units, liquidity and interest rate sensitivity,
enhancements to customer products and services, technology enhancements, market
share, peer comparisons, and the performance of acquisition and integration
activities. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
reported net income for the year was below the record earnings of 2005 as a
result of increased cost of funds, lower investment income, lower gains on
sales of securities, an additional $1.8 million of stock option expense and a
one-time $2.4 million charge related to the early redemption of fixed rate,
trust-preferred obligations. This was partially offset by higher noninterest
income, excluding securities gains and debt extinguishments costs, improved
asset quality, organic and acquired loan and deposit growth and proactive
operating expense management. The higher cost of funds resulted in margin
compression throughout the year. Noninterest income, excluding gain/loss on investment
securities and debt extinguishments, increased 6.8% over 2005 as a result of
strong growth from banking sources and the Company&#146;s employee benefits
administration and consulting businesses. Capital levels remained strong with
the Tier 1 leverage ratio improving from 2005. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Asset quality
remained strong in 2006, with a reduction in the loan charge-off ratios,
delinquency and nonperforming loan ratios versus 2005. The Company experienced
year-over-year loan growth in all portfolios: consumer installment, consumer
mortgage and business lending, due to both the Elmira and ONB acquisitions and
organic loan growth. The investment portfolio decreased from the prior year, as
the Company has used the proceeds from the sale of certain securities in 2005 and
cash flows from the maturing securities over the last two years to pay off
variable and short-term borrowings. Average deposits increased as compared to
2005 from both organic growth and the Elmira and ONB acquisitions. In December
2006, the Company completed its sale of $75 million of trust preferred
securities, the proceeds of which will be used for general corporate purposes
including the early call of $30 million of fixed-rate trust preferred
securities in January 2007. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Net Income and Profitability</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net income for
2006 was $38.4 million, or $1.26 per share, down $12.4 million, or 24%, from
2005&#146;s record earnings of $50.8 million, or $1.65 per share. In 2005, the
Company made significant progress on its objective of shortening the average
life of its investment portfolio, generating a $0.29 per share after-tax gain
through the sale of securities that had optimized their total return and
interest-rate sensitivity characteristics. The 2006 earnings included
incremental stock option expense of $1.8 million, or $0.05 per share, a
one-time, $2.4 million, or $0.06 per share, charge related to the early
redemption of fixed rate, trust-preferred obligations, as well as $0.6 million,
or $0.02 per share, of acquisition expenses and special charges. The 2005
results were also impacted by a $2.9 million, or $0.07 per share, nonrecurring
charge related to the early retirement of certain executives. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In addition to
the earnings results presented above in accordance with GAAP, the Company
provides cash earnings per share which excludes the after-tax effect of the
amortization of intangible assets, the market value adjustments on net assets
acquired in mergers, and the noncash portion of debt extinguishments costs.
Management believes that this information helps investors understand the effect
of acquisition activity and certain noncash transactions in reported results.
Cash earnings per share for 2006 were $1.47, down 20% from $1.84 for the year
ended December 31, 2005. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net income and
earnings per share for 2005 were $50.8 million and $1.65, up 1.2% and 0.6%,
respectively, from 2004 results. The growth rate of EPS was below that of net
income due to higher weighted average diluted shares outstanding, driven by the
2.6 million shares of common stock issued in conjunction with the acquisition
of First Heritage in May 2004 and the exercise of options under the employee
stock plan. As noted above, the 2005 earnings were impacted by a $0.29 per
</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>14</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>share gain on the sale of securities and a $0.07 per share
nonrecurring charge related to the early retirement of certain executives.
Earnings in 2004 included $1.7 million of nonrecurring acquisition related
expenses.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table 1: Reconciliation of GAAP Net Income To
Cash Net Income</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="41%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="14" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years
  Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="14" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><B>(000&#146;s
omitted)</B> </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2003</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2002</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,380</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,517</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>After-tax
adjustments:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net amortization of market value
  adjustments on net assets acquired in mergers</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>813</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>655</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(126</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>72</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Amortization of intangible
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,598</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,281</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,568</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,869</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,375</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Noncash portion of debt
extinguishments
  charge</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>794</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net income &#150;
cash</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,582</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>56,741</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>55,638</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,321</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>42,892</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table 2: Condensed Income Statements</B></FONT></P>

<TABLE   BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="420" STYLE="MARGIN-LEFT:7%">
<TR style="font-size:1px">
<TD WIDTH="54%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years
  Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted, except per share data)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net interest income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>134,809</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>143,872</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>151,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Loan loss provision</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,585</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,534</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Noninterest income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>49,276</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>60,596</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,393</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Operating expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,203</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,389</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>119,899</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income before taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,297</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>68,545</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>66,839</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,920</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,740</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,643</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted earnings per
share</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.65</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted earnings per
share-cash<SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.84</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.81 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><SUP><FONT Face="Times New Roman, Times, Serif" SIZE=1>(1)</FONT></SUP><FONT Face="Times New Roman, Times, Serif" SIZE=1> Cash
  earnings are reconciled to GAAP net income in Table 1.</font></P>


<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The primary
factors explaining 2006 performance are discussed in detail in the remaining
sections of this document and are summarized as follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As shown in
  Table 2 above, net interest income decreased $9.1 million, or 6.3%, due to a
  26 basis point decrease in the net interest margin, partially offset by a $25
  million increase in average earning assets. Average loans grew $139 million
  or 5.9%, primarily due to strong consumer installment growth as well as the
  addition of Elmira in August 2006 and ONB in December 2006. Average
  investments decreased $142 million, or 10.1%, in 2006 primarily as a result
  of the sales made throughout 2005 and the non-reinvestment of maturing cash
  flows in both years. Short-term cash equivalents increased $99.2 million as
  compared to the end of 2005 in expectation of certain debt reduction
  transactions in early 2007. The growth in earning assets was funded by $88
  million, or 3.0%, higher average deposits, primarily due to the acquisitions
  of Elmira and ONB. Cash flows from the investment portfolios were used to pay
  down external borrowings throughout 2005 and early 2006, resulting in $89
  million lower average borrowings in 2006 as compared to 2005.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The loan
  loss provision of $6.6 million decreased $1.9 million, or 23%, from the prior
  year level. Net charge-offs of $6.1 million decreased by $1.7 million from
  2005, reducing the net charge-off ratio (net charge-offs / total average
  loans) to 0.24% for the year. Asset quality in 2006 remained favorable as
  evidenced by improvement in key metrics such as nonperforming loans as a
  percentage of total loans, nonperforming assets as a percentage of loans and
  other real estate owned and delinquent loans (30+ days through nonaccruing)
  as a percentage of total loans. Additional information on trends and policy
  related to asset quality is provided in the asset quality section on pages 28
  through 31.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Noninterest
  income for 2006 of $49.3 million decreased by $11.3 million, or 19%, from
  2005&#146;s level, primarily due to a $12.2 million gain on the sale of investment
  securities in 2005 and a $2.4 million loss from the early redemption of trust</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>15</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>preferred
  securities in 2006. Fees from banking services were up $1.2 million or 3.9%,
  primarily due to several revenue enhancement initiatives implemented over the
  last two years, as well as the acquisitions in 2006. Financial services
  revenue was $2.1 million, or 11.4% higher mostly as a result of strong growth
  at the Company&#146;s benefit plan administration and consulting business. Gain
  (loss) from investment security sales and debt extinguishments decreased
  $14.6 million as the Company took advantage of market conditions in 2005 to
  sell certain securities in order to shorten the average length of the
  portfolio and maximize their expected total return. No security sales were
  conducted in 2006. Additionally, 2006 included a one-time $2.4 million charge
  related to the early redemption of $30 million of fixed-rate trust preferred
  obligations which will help to reduce the Company&#146;s average long-term
  borrowing costs in future periods.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Total
operating expenses decreased $0.2 million or 0.1% in 2006 to $127.2 million.
Excluding special charges/acquisition expenses in both years, 2006 operating
expenses rose $2.1 million, or 1.7%. A majority of the increase was due to
increased personnel expenses associated with the adoption of SFAS No. 123(R),
<I>Share-Based Payments</I> (&#147;SFAS
123(R)&#148;), higher business development costs associated with a more robust
marketing strategy and increased expenses due to the acquisitions in 2006,
partially offset by reductions in the amortization of core deposit
intangibles associated with prior acquisitions. </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
  Company&#146;s combined effective federal and state income tax rate decreased 2.2
  percentage points in 2006 to 23.7%, primarily as a result of a lower
  proportion of income being generated from fully taxable sources (loans and
  investments).</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Selected Profitability and Other Measures</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Return on
average assets, return on average equity, dividend payout and equity to asset
ratios for the years indicated are as follows:</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table 3: Selected Ratios</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="60%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Return on average
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.90</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.19</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.20</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Return on average
equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.36</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.89</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.39</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Dividend payout ratio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>60.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" >
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Average equity to average
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.80</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.93</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.50</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As displayed
in Table 3 above, the return on average assets decreased in 2006 as compared to
2005 and 2004. This was a result of lower net income primarily due to lower
gains on sale of investment securities and lower net interest income. Reported
return on equity in 2006 was down from 2005&#146;s level. This was mainly a result
of net income decreasing 25% in 2006, while equity capital decreased only
slightly, primarily due to treasury stock purchases made throughout the second
half of 2005 and the first half of 2006. Return on equity in 2005 was down
slightly from 2004&#146;s level. This was mainly a result of equity capital increasing
at a faster pace than net income due to the impact of shares issued in the
First Heritage acquisition and the enhancement of the Company&#146;s capital
position through the retention of net profits. The slight decrease in the
average equity to average assets ratio in 2006 as compared to 2005 is
reflective of the decline in the average equity as discussed above, with a
smaller decrease in average assets over the same period.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The dividend
payout ratio for 2006 was above 2005&#146;s level due to the decrease in net income
and the 5.3% increase in the quarterly dividend in the third quarter of 2006.
The dividend payout ratio also increased in 2005 as compared to 2004, primarily
due to the 5.6% increase in the quarterly dividend in the third quarter of 2005
and a greater number of shares outstanding.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Net Interest Income</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net interest
income is the amount that interest and fees on earning assets (loans and
investments) exceeds the cost of funds, primarily interest paid to the
Company&#146;s depositors and interest on external borrowings. Net interest margin
is the difference between the gross yield on earning assets and the cost of
interest-bearing funds as a percentage of earning assets.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As disclosed
in Table 4, net interest income (with nontaxable income converted to a fully tax-equivalent
basis) totaled $149.5 million in 2006, down $8.7 million, or 5.5%, from the
prior year. An $18.3 million increase in average interest-bearing liabilities
and a 26 basis point decrease in the net interest margin more than offset a
$24.7 million increase in average earning-assets. As reflected in Table 5, the
volume changes mentioned above increased net interest income by $1.0 million,
while the lower net interest margin had a $9.7 million negative impact. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The net
interest margin declined 26 basis points from 4.17% in 2005 to 3.91% in 2006.
This decline was primarily attributable to the four rate hikes (25 basis points
each) by the Federal Reserve to the overnight federal funds rates since last</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>16</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>December
having a greater impact on funding costs (up 58 basis points) than
earning-asset yields (up 29 basis points). The rising short-term market rates
resulted in steady increases to rates throughout the year on interest-bearing
deposits (up 67 basis points) and total external borrowings (up 98 basis
points). The yield on loans increased 43 basis points, with the majority of the
increases occurring in the second and third quarters, reflective of the timing
of the Federal Reserve&#146;s rate increases. The yield on investments increased
slightly from 6.03% in 2005 to 6.04% in 2006 as the sold, maturing and called
securities have yields similar to those of the overall portfolio. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The net
interest margin also declined in 2005 to 4.17% compared to 4.45% for 2004. This
trend was mostly attributable to the eight rate hikes (25 basis point each) by
the Federal Reserve during 2005 to the overnight federal funds rates. The
rising short-term market rates resulted in steady increases to rates throughout
the year on interest-bearing deposits (up 30 basis points) and total external
borrowings (up 101 basis points). Loan yields in 2005 moved from 6.16% in the
first quarter to 6.42% in the fourth quarter, reflective of the repricing on
the variable rate portion of the Company&#146;s loan portfolio during the year. The
yield on investments declined during the year from 6.18% for 2004 to 6.03% for
2005, as a result of the sale of higher yielding securities. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As shown in
Table 4, total interest income increased by $12.8 million, or 5.5%, in 2006.
Table 5 reveals that higher average earning assets contributed a positive $1.5
million variance and higher yields contributed $11.3 million. Average loans
grew a total of $139.3 million in 2006, as a result of $78.9 million from the
acquisitions of Elmira in August 2006 and ONB in December 2006 as well as $60.4
million of organic growth in all portfolios. Interest and fees on loans
increased $19.6 million or 13.2%. The increase was attributable to higher
average loan balances (positive $9.0 million) as well as a 43-basis point
increase in loan yields (positive $10.6 million) due to the increase in
short-term rates. Average loans grew $110 million in 2005, the majority as a
result of the addition of $204 million of loans through the acquisition of
First Heritage in May 2004 and $5.6 million from the November 2004 acquisition
of the Dansville branch as well as organic growth in the consumer installment
and consumer mortgage portfolios. Interest and fees on loans increased $10.6
million, or 7.7%, in 2005 as compared to 2004. The increase was attributable to
higher average loan balances (positive $6.8 million), as well as a 17-basis
point increase in loan yields (positive $3.8 million) due to the rising rate
environment.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In 2005, the
Company decided to sell certain securities and not fully reinvest cash flows
from maturing securities in the then flat (now inverted) yield environment, to
take advantage of market conditions to shorten the average life of the
portfolio, improve its interest-rate sensitivity profile in a rising-rate
environment, and maximize the expected total return. In 2006, the portfolio
continued to decline due to the contractual maturing and early calling of
securities. The cash flows have been used to pay down short-term borrowings and
the excess funds invested in short-term cash equivalents, as long-term
investments are not attractive given the current market conditions. As a
result, average investments for 2006 decreased $142.3 million versus 2005,
partially offset by an increase in cash equivalents of $27.6 million. The expected
life-to-maturity of the investment portfolio was reduced from 5.9 years at
December 31, 2004 to 5.3 years at December 31, 2005 and 4.7 at December 31,
2006. Refer to the &#147;Investments&#148; section of the MD&amp;A on pages 34 through 36
for further information. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Investment
interest income in 2006 of $78.9 million was $6.8 million, or 7.9%, lower than
the prior year as a result of a smaller portfolio (negative $6.8 million
impact). Investment interest income in 2005 of $85.7 million was $4.2 million,
or 4.7%, lower than the prior year as a result of a smaller portfolio (negative
$2.1 million impact) as well as a decrease in the average investment yield from
6.16% to 6.03% (negative $2.1 million impact). The decrease in the yield was
principally driven by the sale and maturity of higher-yielding securities. The
performance of the investment portfolio in 2006 and 2005 remained strong
despite the interest rate environment. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The average
earning asset yield grew 29 basis points to 6.45% in 2006 because of the
previously mentioned increase in loan yields and the stable investment yields.
In 2004 investment yields were nine basis points above those produced by loans.
During 2005, changes in market interest rates combined with the strategic
investment portfolio actions previously discussed resulted in the yield on the
loan portfolio being higher than the investment portfolio by 21 basis points.
This gap widened in 2006 as the yield on the loan portfolio expanded and
investment portfolio yield stabilized resulting in loan yields being 63 basis
points higher than the yield on the investment portfolio. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total average
funding (deposits and borrowings) in 2006 remained consistent with 2005&#146;s
level. Deposits increased $88.5 million, $52.6 million attributable to the
acquisitions of Elmira and ONB and $35.9 million to organic deposit growth.
Interest bearing deposits increased $106.9 million as a result of acquisitions,
the successful launch of new interest bearing checking account products and
customers shifting funds from demand deposits to time and other higher rate
deposit products as rates have risen. Average external borrowings declined
$88.6 million in 2006 as compared to the prior year as cash flows from the
maturing securities were used to reduce short-term borrowings. In 2005 total
average funding increased by $40.0 million, with $103.0 million of the increase
coming from deposits, mostly attributable to the acquisitions of First
Heritage, Dansville and organic growth. External borrowings declined $63.0
million in 2005 as compared to the prior year, as cash flows from the
securities sales were used to reduce short-term borrowings. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>17</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The cost of
funding increased throughout 2006 reflective of the four 25 basis point
increases to short-term rates by the Federal Reserve since December of 2005.
Interest rates on deposit accounts were raised throughout the year, with
increases in all product offerings. The primary drivers of the increase in
deposit cost of funds were customers transferring funds from non and lower rate
interest accounts to higher yielding time deposit accounts, as well as
transferring noninterest bearing accounts to new interest-bearing checking
products. This is demonstrated by the percentage of average deposits that were
in time deposit accounts and checking accounts increasing from 40.8% and 10.4%,
respectively, in 2005 to 44.0% and 11.3%, respectively, in 2006, while demand
deposits and savings accounts decreased from 19.7% and 17.2% in 2005 to 18.5%
and 15.2% in 2006. The flattening and inverted yield curve also resulted in
decreasing the interest rate differential between short and long-term debt. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total interest
expense increased by $21.5 million to $97.1 million in 2006. As shown in Table
5, higher interest rates on deposits and external borrowings resulted in $21.1
million of this increase, while the higher deposit and borrowings balances
accounted for just $0.4 million of the increase in interest expense. Interest
expense as a percentage of earning assets increased by 55 basis points to
2.54%. The rate on interest-bearing deposits increased 67 basis points to
2.46%, due largely to increases in money market and time deposit rates
throughout 2006 and the previously discussed shifting of funds to higher rate
deposit products. The rate on external borrowings increased 98 basis points to
5.29% because of the aforementioned increase in short-term market rates. Total
interest expense increased by $13.8 million to $75.6 million in 2005 as
compared to 2004. Higher interest rates accounted for the vast majority of the increase.
The rate on interest-bearing deposits increased 30 basis points to 1.79% and
the rate on external borrowings increased 101 basis points to 4.31% in 2005.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>18</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following table sets forth information related to
average interest-earning assets and interest-bearing liabilities and their
associated yields and rates for the years ended December 31, 2006, 2005 and
2004. Interest income and yields are on a fully tax-equivalent basis using
marginal income tax rates of 38.4% in 2006, 38.6% in 2005, and 38.7% in 2004.
Average balances are computed by totaling the daily ending balances in a period
and dividing by the number of days in that period. Loan yields and amounts
earned include loan fees. Average loan balances include nonaccrual loans and
loans held for sale. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
4: Average Balance Sheet</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="19%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=top rowspan=2>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted except yields and rates)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Year Ended December 31, 2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Year Ended December 31, 2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Year Ended December 31, 2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average<BR>
  Balance</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Interest</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Avg.<BR>Yield/Rate<BR>
  Paid</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average<BR>
  Balance</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Interest</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Avg.<BR>Yield/Rate<BR>
  Paid</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average<BR>
  Balance</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Interest</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Avg.<BR>Yield/Rate<BR>
  Paid</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
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</TD>
<TD VALIGN=TOP>
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</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
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</TD>
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</TD>
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</TD>
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<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
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</TD>
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</TD>
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</TD>
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<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Interest-earning
assets:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Time deposits
in other banks</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>36,458</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,824</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>8,867</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>281</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3.17</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6,233</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>75</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1.19</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Taxable
investment securities <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>754,618</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>41,702</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5.53</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>881,696</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>49,739</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>940,792</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>54,205</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5.76</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Nontaxable
investment securities<SUP> (1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>515,459</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35,418</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.87</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>530,639</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35,704</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.73</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>512,666</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35,626</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.95</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Loans (net of
unearned discount)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,514,173</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>167,676</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.67</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,374,832</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>148,075</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.24</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,264,791</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>137,450</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.07</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Total
interest-earning assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,820,708</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>246,620</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.45</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,796,034</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>233,799</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.16</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,724,482</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>227,356</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6.10</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Noninterest-earning
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>431,940</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>470,966</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>471,743</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Total
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4,252,648</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4,267,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4,196,225</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Interest-bearing
liabilities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Interest
checking, savings and money market deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,149,236</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>11,792</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1.03</FONT></P>
</TD>
<TD VALIGN=BOTTOM nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,175,818</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>8,959</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0.76</FONT></P>
</TD>
<TD VALIGN=BOTTOM nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,130,914</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6,368</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0.56</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Time
deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,348,167</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>49,752</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3.69</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,214,719</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>33,793</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2.78</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,188,625</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>28,219</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Short-term
borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>144,043</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5,513</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3.83</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>366,775</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>11,249</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3.07</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>442,287</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>7,242</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Long-term
borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>528,355</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>30,035</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>394,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>21,571</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>381,716</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>19,923</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5.22</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Total
interest-bearing liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,169,801</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>97,092</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3.06</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,151,507</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>75,572</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2.40</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,143,542</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>61,752</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1.96</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Noninterest-bearing
liabilities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Demand
deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>567,500</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>585,913</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>553,867</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Other
liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>56,149</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>63,004</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>58,189</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Shareholders&#146;
equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>459,198</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>466,576</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>440,627</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Total
liabilities and shareholders&#146; equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4,252,648</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4,267,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4,196,225</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Net interest earnings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>149,528</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>158,227</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>165,604</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Net interest spread</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3.39</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3.76</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4.14</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Net interest margin on
interest-earning assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3.91</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4.17</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4.45</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Fully tax-equivalent
adjustment</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>14,719</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>14,355</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>14,508</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(1)</SUP>
Averages for investment securities are based on historical cost and the yields
do not give effect to changes in fair value that is reflected as a component of
shareholders&#146; equity and deferred taxes.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>19</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As discussed above, the change in net interest income
(fully tax-equivalent basis) may be analyzed by segregating the volume and rate
components of the changes in interest income and interest expense for each
underlying category.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
5: Rate/Volume</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="31%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006 Compared to 2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005 Compared to 2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Increase (Decrease) Due to Change in
<SUP>(1)</SUP></B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Increase (Decrease) Due to Change in
<SUP>(1)</SUP></B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Volume</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Rate</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Net<BR>
  Change</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Volume</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Rate</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Net<BR>
  Change</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Interest earned on:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Time deposits
in
  other banks</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>243</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,543</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>42</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>164</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>206</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Taxable
  investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(7,041</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(996</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(8,037</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,351</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,115</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(4,466</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Nontaxable
  investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,034</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>748</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(286</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,229</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,151</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>78</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Loans (net of
  unearned discount)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,965</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,636</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19,601</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,795</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,830</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,625</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total interest-earning assets<SUP> (2)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,529</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,292</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,821</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,394</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,049</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,443</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Interest paid on:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest
checking,
  savings and money market deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(207</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,040</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,833</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>262</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,329</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,591</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Time
deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,017</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,942</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15,959</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>632</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,942</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,574</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Short-term
  borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(8,033</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,297</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,736</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,413</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,420</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,007</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Long-term
  borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,598</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>866</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,464</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>664</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>984</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,648</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total interest-bearing liabilities <SUP>(2)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>441</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21,079</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21,520</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>157</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,663</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,820</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net interest earnings <SUP>(2)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,022</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(9,721</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(8,699</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,135</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(10,512</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(7,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(1)</SUP> The change in interest due to both rate and volume has been allocated to volume
and rate changes in proportion to the relationship of the absolute dollar
amounts of change in each.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(2)</SUP> Changes due to volume and rate
are computed from the respective changes in average balances and
rates of the totals; they are not a summation of the changes of the components.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>20</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Noninterest Income</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
sources of noninterest income are of three primary types: general banking
services related to loans, deposits and other core customer activities
typically provided through the branch network; financial services, comprised of
employee benefit plan administration, actuarial and consulting services
(&#147;BPA-Harbridge&#148;), trust services, investment and insurance products (Community
Investment Services, Inc. or &#147;CISI&#148;) and asset management (Nottingham Advisors,
Inc. or &#147;Nottingham&#148;, formerly Elias Asset Management); and periodic
transactions, most often net gains (losses) from the sale of investments and
prepayment of term debt. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
6: Noninterest Income</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="7%" VALIGN=TOP>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="57%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted except ratios)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Deposit
  service charges and fees</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22,183</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21,961</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>20,342</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Benefit plan
  administration, consulting and actuarial fees</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,205</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,193</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,158</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Trust,
  investment and asset management fees</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,396</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,307</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,583</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Commissions
  and other</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,713</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,630</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,157</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Electronic
  banking</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,443</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,788</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,556</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mortgage
  banking</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>739</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>522</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>525</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>
Subtotal</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,679</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48,401</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,321</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Gain (loss)
  on investment securities &amp; debt extinguishments</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,403</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>72</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2> Total
noninterest income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>49,276</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>60,596</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,393</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Noninterest
  income/operating income (FTE)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.1</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As displayed
in Table 6, noninterest income, excluding security gains and debt
extinguishments costs, increased by 6.8% to $51.7 million largely as a result
of growth in recurring bank fees and benefit plan administration, consulting
and actuarial fees. The gain (loss) on the sale of investment securities and
debt extinguishments decreased $14.6 million as 2006 included a one-time $2.4
million charge related to the early redemption of fixed rate, trust-preferred
obligations. Additionally, 2006 did not include $12.2 million of gains on the
sale of investment securities. Refer to the &#147;Investments&#148; section of the
MD&amp;A on pages 34 through 36 for further information. Total noninterest
income, excluding security gains and debt extinguishments costs, of $48.4
million for 2005 increased by 9.2% over 2004, largely as a result of higher
utilization of bank services, and growth at BPA-Harbridge.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Noninterest
income as a percent of operating income (FTE basis) was 24.8% in 2006, down 2.9
percentage points from the prior year. Excluding the gain (loss) on investment
securities &amp; debt extinguishments, noninterest income as a percent of
operating income (FTE basis) was 25.7% in 2006, a 2.2 percentage point increase
from 23.5% for 2005. This increase was primarily driven by the aforementioned
strong growth in recurring bank fees and benefit plan administration,
consulting and actuarial fees and declining net interest income. This ratio is
considered an important measure for determining the progress the Company is
making on one of its primary long-term strategies, expansion of noninterest
income in order to diversify its revenue sources and reduce reliance on net
interest margins that may be strongly impacted by general interest rate and
other market conditions.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The largest
portion of the Company&#146;s recurring noninterest income is the wide variety of
fees earned from general banking services, which reached $31.1 million in 2006,
up 3.9% from the prior year. A large portion of the income growth was
attributable to electronic banking fees, up $0.7 million, or 24%, over 2005&#146;s
level, due in large part to a concerted effort to increase the penetration and
utilization of debit cards as well as the introduction of a business debit card
program. Overdraft fees were also up $0.7 million, or 4.1%, over 2005&#146;s level,
driven by several revenue enhancement initiatives put into place during 2005
and core deposit account growth. Mortgage banking fees increased $0.2 million,
or 42%, primarily due to the addition of a $300 million serviced loan portfolio
in conjunction with the Elmira acquisition in August 2006.Fees from general banking services
were $29.9 million in 2005, up $2.3 million, or 8.4%, from 2004 primarily
driven by growth in overdraft fees and commissions, a majority of which was
derived from having a full year of results from the First Heritage and
Dansville acquisitions.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As disclosed
in Table 6, noninterest income from financial services (including revenues from
benefit plan consulting and administration and wealth management services) rose
$2.1 million, or 11.4%, in 2006 to $20.6 million. Financial services revenue
now comprises 40% of total noninterest income, excluding net gains (losses) on
the sale of investment securities and debt extinguishments. Strong performance
at BPA-Harbridge generated revenue growth of $2.0 million, or 18%, for the 2006
</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>21</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>year, achieved
primarily through new product offerings and expanded market coverage.
BPA-Harbridge offers their clients daily valuation, actuarial and employee
benefit consulting services on a national basis from offices in Upstate New
York and Pittsburgh. BPA-Harbridge revenue of $11.2 million in 2005 was $2.0
million higher than prior year results, driven by enhanced service offerings to
both new and existing clients, a portion of which relates to new actuarial determinations
required by certain state and federal healthcare programs.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Personal trust
generated revenue growth of $210,000, or 10.5%, in 2006, achieved primarily
through the generation of estate settlement fees. CISI generated revenue growth
of $117,000, or 3.1%, in 2006 primarily through the addition of new financial
consultants. Revenue at Nottingham declined $238,000, or 16%, during 2006 as it
transitioned to a new management team, a new name and the broadening of its
product offerings. In 2005 personal trust had positive revenue growth of
$154,000 or, 8.3%, achieved through new client relationships and the investment
of additional assets by established clients. CISI and Nottingham were
negatively impacted in 2005 by the challenging retail investment market
conditions. Revenues in 2005 were down $323,000, or 17.6%, and $106,000, or
2.7%, at Nottingham and CISI, respectively, as compared to 2004. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Assets under
management and administration at the Company&#146;s financial services businesses
rose considerably over the last two years reaching $3.2 billion at the end of
2006, compared to $2.5 billion at year-end 2005 and $2.2 billion at year-end
2004. Market-driven gains in equity-based assets were augmented by attraction
of new client assets. BPA in particular was very successful at growing its
asset base, as demonstrated by a $549 million, or 40%, increase in its assets
under administration during 2006.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Excluding debt
extinguishments costs, the total financial services group contributed $4.6
million (excluding allocation of indirect corporate expense), or 8.7%, of the
Company&#146;s pre-tax income in 2006, reflecting nearly a 21% operating margin. In
2005, financial services&#146; contribution, excluding nonrecurring retirement
charges was $2.9 million, or 4.1%, of total pre-tax income, with a margin of
15%. The higher earnings in 2006 were the result of increased revenues at
BPA-Harbridge and personal trust combined with expense reduction activities.
The increase in percentage contribution was primarily due to growth in the financial
services businesses in 2006, combined with the decline in banking net interest
income. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In the fourth
quarter of 2006, the Company incurred a $2.4 million charge related to the
early redemption of its $30 million, 9.75% fixed-rate trust preferred
obligations, which included a premium call provision at 4.54%. There were no
gains or losses on security transactions in 2006 as compared to gains of $12.2
million in 2005 and $72,000 in 2004, as the Company took advantage of market
conditions in 2005 to sell certain securities in order to shorten the average
length of the portfolio and maximize their expected total return. Securities
sold included $173.2 million of U.S. Treasury and Agency securities, $46.1
million of AAA-rated obligations of state and political subdivisions, and $24.4
million of investment grade corporate bonds. The corresponding gains recognized
on these sales were $7.0 million, $2.2 million and $3.0 million, respectively. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The security
and debt gains and losses taken over the last three years are illustrative of
the Company&#146;s active management of its investment portfolio and external
borrowings to achieve a desirable total return through the combination of net
interest income, transaction gains/losses and changes in market value across financial
market cycles, as well as achieving an appropriate interest-rate sensitivity
profile in changing rate environments.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Operating Expenses</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As shown in
Table 7, operating expenses declined $0.2 million, or 0.1%, in 2006 to $127.2
million. Excluding special charges/acquisition expenses, operating expenses
were up $2.1 million, or 1.7%, in 2006, primarily attributable to the effect of
adopting SFAS 123(R), increased business development and marketing expenses,
and operating expenses related to the acquisitions of Elmira and ONB, partially
offset by lower amortization of intangible assets. Operating expenses for 2006
as a percent of average assets were 2.99%, consistent with 2005 and 13 basis
points above the 2.86% in 2004. The increase in this ratio for 2005 was
principally due to the reduction in the size of the investment portfolio, the
special charge related to certain early retirement actions as well as more
robust business development and marketing programs. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The efficiency
ratio, a performance measurement tool widely used by banks, is defined by the
Company as operating expenses (excluding special charges/acquisition expenses
and intangible amortization) divided by operating income (fully tax-equivalent
net interest income plus noninterest income, excluding net securities and debt
gains and losses). Lower ratios are often correlated to higher efficiency. In
2006 the efficiency ratio increased 3.1 percentage points to 59.9% due to a
2.7% increase in operating expenses and a 5.5% decline in net interest income
having a greater impact than a 6.8% increase in noninterest income (excluding
net securities gains and debt extinguishments costs). The efficiency ratio for
2005 was 4.0 percentage points higher than the 52.8% ratio for 2004 due to
similar reasons, with 5.9% higher operating expenses and 1.6% lower net
operating income. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>22</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
7: Operating Expenses</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="98%">
<TR style="font-size:1px">
<TD WIDTH="12%" VALIGN=TOP>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="38%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P align=justify>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P align=justify>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Salaries and
  employee benefits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>65,497</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>65,059</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>61,146</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Stock option
  expense</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,848</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Occupancy
  and equipment</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,884</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,756</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,745</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Data
  processing and communications</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,178</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,565</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,972</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Amortization
  of intangible assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,027</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,125</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,414</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Legal and
  professional fees</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,351</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,540</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,566</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Office
  supplies and postage</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,035</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,804</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,722</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Business
  development and marketing</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,007</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,771</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,003</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Foreclosed
  property</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>858</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,312</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>994</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Special
  charges/acquisition expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>647</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,943</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,704</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,871</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,514</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,633</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
operating expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,203</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,389</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>119,899</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
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</TD>
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</TD>
<TD VALIGN=TOP>
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</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
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<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Operating
  expenses/average assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.99</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.99</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.86</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>Efficiency
  ratio</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>59.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>56.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>52.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P align=justify><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Salaries and
benefits increased $0.4 million or 0.6% in 2006 as a result of $0.5 million
related to the acquisitions of Elmira in August and ONB in December and $0.6
million related to higher retirement plan expense, partially offset by higher
deferred loan origination costs. Stock option expense of $1.8 million relates
to the adoption of SFAS 123(R), which required the recognition of expense based
on the fair value of the options on the grant date. Higher personnel expenses accounted
for 52% of 2005&#146;s increase in operating costs, primarily the result of the
First Heritage and Dansville acquisitions in 2004. The remainder of the
increase in personnel expense reflects higher benefit costs and merit
increases. Total full-time equivalent staff at the end of 2006 was 1,352
compared to 1,299 at December 31, 2005 and 1,301 at the end of 2004.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Medical
expenses declined 2.6% in 2006 as a result of proactive claims management,
lower utilization, and a change in plan administrators. Medical expenses were
up in 2005 due to a general rise in the cost of medical care, administration
and insurance, as well as a greater number of insured employees. In 2006
qualified and nonqualified pension expense decreased $1.0 million due to the
special charge taken in 2005 related to certain early retirement actions.
Qualified and nonqualified pension expenses increased in 2005 principally due
to the special charge related to certain early retirement actions and a lower
discount rate. The three assumptions that have the largest impact on the
calculation of annual pension expense are the aforementioned discount rate, the
rate applied to future compensation increases and the expected rate of return
on plan assets. See Note K to the financial statements for further information
concerning the pension plan.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total
non-personnel operating expense decreased $2.1 million or 1.7% in 2006.
Excluding special charges/acquisition expense, nonpersonnel expenses were
consistent with 2005&#146;s level. As displayed in Table 7, this was largely caused
by higher business development and marketing (up $1.2 million), other expenses
(up $0.4 million), office and supplies (up $0.2 million), and occupancy and
equipment expense (up $0.1 million), partially offset by decreases in amortization
of intangible assts (down $1.1 million), foreclosed property (down $0.5
million) and data processing and communication expense (down $0.4 million).
Business and marketing costs were up mostly due to the initiation of a bankwide
deposit generation program. A majority of the remaining increase in
nonpersonnel operating costs is attributable to $0.3 million of expenses added
as a result of the Elmira and ONB acquisitions in the second half of 2006. The
amortization of intangibles decreased as certain core deposit and customer
relationship intangibles arising from prior acquisitions became fully
amortized. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
successfully managed all aspects of its operating expense structure for 2006,
resulting in operating expenses excluding special charges/acquisitions, the
effect of adopting SFAS 123(R), and costs associated with the acquisitions
decreasing slightly as compared to the year earlier period. During 2006, the
Company consolidated three of its branch offices into nearby sister branches.
This realignment will reduce market overlap and further strengthen its branch
network, and reflects management&#146;s focus on achieving long-term performance
improvements through proactive strategic decision making.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>23</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total
nonpersonnel expenses increased $3.9 million, or 6.4%, in 2005 from 2004.
Excluding acquisition-related expenses, nonpersonnel expenses were up $2.3
million, or 4.1%, from 2004&#146;s level. This increase was largely caused by higher
occupancy and equipment expense (up $1.0 million), business development and
marketing (up $0.8 million), foreclosed property (up $0.3 million), and other
expenses (up $0.9 million), partially offset by decreases in data processing
and communication expense (down $0.4 million) and amortization of intangible
assets (down $0.3 million). The increase in occupancy and equipment in 2005 was
mainly due to incremental costs from recently acquired facilities, expenses
arising from renovations and repairs, the effect of higher rates and severe
weather on maintenance and utilities expenses, and the general increase in
property taxes in many of the municipalities in which we operate. Business
development and marketing costs were up due to a more robust marketing strategy
in 2005. The majority of the increase in other expenses relates to higher
overdraft charge-offs as a result of higher transaction volume and certain
fixed asset write-downs. Data processing and communications costs have
decreased due to certain contract renegotiations, the assimilation of the 2004
acquisitions, and other vendor management programs.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Special
charges/acquisition expenses totaled $0.6 million in 2006, down $2.3 million
from $2.9 million in 2005. The 2006 special charge relates to early retirement
of certain long-service employees and acquisition expenses of $0.3 million. The
2005 special charge relates to the early retirement of certain long-service
executives and includes severance and certain benefit plan enhancements.
Acquisition expenses totaled $1.7 million in 2004 comprised of severance and
employee benefits of $1.0 million and legal, consulting and system conversion
costs of $0.7 million. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Income Taxes</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
estimates its tax expense based on the amount it expects to owe the respective
tax authorities, plus the impact of deferred tax items. Taxes are discussed in
more detail in Note I of the Consolidated Financial Statements beginning on
page 59. Accrued taxes represent the net estimated amount due or to be received
from taxing authorities. In estimating accrued taxes, management assesses the
relative merits and risks of the appropriate tax treatment of transactions
taking into account statutory, judicial and regulatory guidance in the context
of the Company&#146;s tax position. If the final resolution of taxes payable differs
from its estimates due to regulatory determination or legislative or judicial
actions, adjustments to tax expense may be required.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The effective
tax rate for 2006 decreased by 2.2 percentage points to 23.7%. The lower
effective tax rate for 2006 was principally a result of a higher proportion of
income being generated from tax-exempt securities and loans. The effective tax
rate for 2005 increased by 1.0 percentage point to 25.9%. This increase was due
to a larger proportion of income from fully taxable sources, primarily the
gains from the sale of investment securities versus the prior year period. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Capital</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Shareholders&#146;
equity ended 2006 at $461.5 million, up $3.9 million, or 0.9%, from one year
earlier. This increase reflects net income of $38.4 million and $7.5 million
from the issuance of shares through employee stock plans. These increases were
partially offset by common stock dividends declared of $23.3 million, treasury
share purchases of $5.5 million and a $13.1 million decrease in other
comprehensive loss. The other comprehensive loss is comprised of a $9.9 million
charge for the adoption of SFAS 158, <I>Employers&#146;
Accounting for Defined Benefit Pension and Other Postretirement Plans an
Amendment of FASB Statements No. 87, 88, 106, and 132(R)</I> (&#147;SFAS
158&#148;), a $3.6 million decline in the market value adjustment (&#147;MVA&#148;, represents
the after-tax, unrealized change in value of available-for-sale securities in
the Company&#146;s investment portfolio), partially offset by a $0.5 million
increase in the fair value of interest rate swaps. The adoption of SFAS 158
required that the funded status of all defined benefit pension and
postretirement plans be recorded as an asset or liability on the Company&#146;s
consolidated statement of condition with a corresponding offset, net of taxes
recorded in accumulated other comprehensive income within shareholders&#146; equity.
Excluding accumulated other comprehensive income in both 2006 and 2005, capital
rose by $17.1 million, or 3.8%. Shares outstanding increased by 63,000 during
the year, comprised of 322,000 added through employee stock plans, offset by
the purchase of 259,000 treasury shares. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
ratio of Tier 1 capital to assets (or tier 1 leverage ratio), the basic measure
for which regulators have established a 5% minimum for an institution to be
considered &#147;well-capitalized,&#148; increased 124 basis points at year-end 2006 to
8.81%. This was due primarily to the capital-building contribution from the
issuance of trust-preferred securities in December 2006, partially offset by
the increase in average assets due primarily to the Elmira and ONB
acquisitions. The tangible equity/tangible assets ratio was 5.07% at the end of
2006 versus 5.93% one year earlier. The decline was due to a 7.4% decrease in
tangible equity as a result of increased levels of intangible assets from the
acquisitions and the implementation of SFAS 158 as well as an 8.2% increase in
tangible assets due to organic and acquired growth. The Company manages organic
and acquired growth in a manner that enables it to continue to build upon its
strong capital base, and maintain the Company&#146;s ability to take advantage of
future strategic growth opportunities.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>24</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash dividends
declared on common stock in 2006 of $23.3 million represented an increase of
4.6% over the prior year. This growth was mostly a result of dividends per
share of $0.78 for 2006 increasing from $0.74 in 2005, a result of quarterly
dividends per share being raised from $0.19 to $0.20 (+5.3%) in the third
quarter of 2006 and from $0.18 to $0.19 (+5.6%) in the third quarter of 2005.
Additionally the increase in dollar amount of dividends declared rose because
of a slight increase in the number of shares outstanding during the year,
primarily a result of the issuance of shares through employee stock plans,
partially offset by treasury stock purchases in 2006. The dividend payout ratio
for this year was 60.7% compared to 43.9% in 2005, and 40.9% in 2004. The
significant change in 2006 is a result of the aforementioned increase in dividends
declared combined with a 24% decrease in net income.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Liquidity</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Liquidity risk
is measured by the Company&#146;s ability to raise cash when needed at a reasonable
cost and minimize any loss. The Company must be capable of meeting all
obligations to its customers at any time and, therefore, the active management
of its liquidity position is critical. Given the uncertain nature of our
customers&#146; demands as well as the Company&#146;s desire to take advantage of
earnings enhancement opportunities, the Company must have available adequate
sources of on and off-balance sheet funds that can be acquired in time of need.
Accordingly, in addition to the liquidity provided by balance sheet cash flows,
liquidity must be supplemented with additional sources such as credit lines
from correspondent banks, the Federal Home Loan Bank, and Federal Reserve Bank.
Other funding alternatives may also be appropriate from time to time, including
wholesale and retail repurchase agreements, large certificates of deposit, and
brokered CD relationships.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
primary approach to measuring liquidity is known as the Basic Surplus/Deficit
model. It is used to calculate liquidity over two time periods: first, the
amount of cash that could be made available within 30 days (calculated as liquid
assets less short-term liabilities as a percentage of total assets); and
second, a projection of subsequent cash availability over an additional 60
days. As of December 31, 2006, this ratio was 13.5% and 13.3% for the
respective time periods, excluding the Company&#146;s capacity to borrow additional
funds from the Federal Home Loan Bank and other sources, as compared to the
Bank policy that requires a minimum of 7.5%. There is currently $122 million in
additional Federal Home Loan Bank borrowing capacity based on the Company&#146;s
year-end collateral levels. Additionally, the Company has $11 million in unused
capacity at the Federal Reserve Bank and $100 million in unused capacity from
unsecured lines of credit with other correspondent banks.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In addition to
the 30 and 90-day basic surplus/deficit
model, longer-term liquidity over a minimum of five years is measured and a
liquidity analysis projecting sources and uses of funds is prepared. To
measure longer-term liquidity, a baseline projection of loan and deposit growth
for five years is made to reflect how liquidity levels could change over time.
This five-year measure reflects ample liquidity for loan growth over the next
five years.<BR><BR> Though remote, the possibility of a funding crisis exists at all
financial institutions and, therefore, must be planned for. Management has
addressed this issue by formulating a Liquidity Contingency Plan, which has
been reviewed and approved by both the Board of Directors and the Company&#146;s
Asset/Liability Management Committee. The plan addresses those actions the
Company would take in response to both a short-term and long-term funding
crisis.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>A short-term
funding crisis would most likely result from a shock to the financial system,
either internal or external, which disrupts orderly short-term funding
operations. Such a crisis should be temporary in nature and would not involve a
change in credit ratings. A long-term funding crisis would most likely be the
result of drastic credit deterioration at the Company. Management believes that
both circumstances have been fully addressed through detailed action plans and
the establishment of trigger points for monitoring such events.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Intangible Assets</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Intangible
assets at the end of 2006 of $246.1 million increased $21.3 million from the
prior year-end due to $27.3 million of additional intangible assets arising
from the acquisitions of Elmira and ONB, offset by $6.0 million of amortization
during the year. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Intangible
assets consist of goodwill, core deposit value and customer relationships arising
from acquisitions. Goodwill represents the excess cost of an acquisition over
the fair value of the net assets acquired. Goodwill at December 31, 2006
amounted to $220 million, comprised of $209 million related to banking
acquisitions and $11 million arising from the acquisition of financial services
businesses. Goodwill is subjected to periodic impairment analysis to determine
whether the carrying value of the acquired net assets exceeds their fair value,
which would necessitate a write-down of the goodwill. The Company completed its
goodwill impairment analyses during 2006 and 2005 and no adjustments were
necessary. The impairment analysis was based upon discounted cash flow modeling
techniques that require management to make estimates regarding the amount and
timing of expected future cash flows. It also requires them to select a
discount rate that reflects the</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>25</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>current return
requirements of the market in relation to present risk-free interest rates,
required equity market premiums and company-specific risk indicators.
Management believes that there is a low probability of future impairment with
regard to the goodwill associated with whole-bank and branch acquisitions. The
performance of Nottingham weakened subsequent to its acquisition in 2000 as a
result of adverse market conditions, however, its performance stabilized in
2004 as market conditions improved. As a result of margin compression and
minimal growth, operating revenues declined in 2005 and 2006. Additionally,
certain organizational and structural changes were made late in 2005 and 2006
that will decrease operating expenses without a reduction in service capacity.
Additionally, in the third quarter Nottingham completed its re-branding efforts
that included changing its name from Elias Asset Management to Nottingham, to
underscore the enhanced product and service offerings it has recently
developed. The Company expects these changes will result in improved operating
performance for Nottingham in the future. However, additional declines in Nottingham&#146;s
operating results may cause future impairment to its recorded goodwill of $7.3
million.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Core deposit
intangibles represent the premium the Company has paid for deposits acquired in
excess of the cost that would have been incurred had the funds been purchased
in the capital markets. Core deposit intangibles are amortized on either an
accelerated or straight-line basis over periods ranging from seven to twenty
years. The recognition of a customer relationship intangible arose due to the
acquisition of Harbridge. This asset was determined based on a methodology that
calculates the present value of the projected future revenue derived from the
acquired customer base. This asset is being amortized over eleven years on an
accelerated basis.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Loans</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
loans outstanding, by type, as of December 31 are as follows:</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
8: Loans Outstanding</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
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<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><B>(000&#146;s
omitted)</B> </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2003</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2002</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consumer
  mortgage</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>912,505</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>815,463</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>801,069</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>739,318</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>510,040</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Business
  lending</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>960,034</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>819,605</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>831,244</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>689,436</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>629,874</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consumer
  installment</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>829,033</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>776,729</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>726,155</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>699,774</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>667,028</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Gross
loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,701,572</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,411,797</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,358,468</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,128,528</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,806,942</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Less:
  unearned discount</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>82</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>116</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,701,558</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,411,769</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,358,420</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,128,446</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,806,826</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Allowance
  for loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,313</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,778</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,331</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P style="margin-left:8.65pt;text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Loans, net
  of allowance for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,665,245</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,379,188</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,326,642</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,099,351</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,780,495</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As disclosed
in Table 8 above, gross loans outstanding reached a record level of $2.7
billion as of year-end 2006, up $289.8 million or 12.0% compared to twelve
months earlier. The acquisition of Elmira and ONB accounted for $242.5 million
of the growth. Excluding the impact of these acquisitions, total loans rose
$47.3 million or 2.0%. All of the organic loan growth was produced in the
consumer mortgage and installment lines of business, with small declines
experienced in business lending. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The compounded
annual growth rate (&#147;CAGR&#148;) for the Company&#146;s total loan portfolio between 2002
and 2006 was 10.6% comprised of approximately 3.4% organic growth, with the
remainder coming from whole bank and branch acquisitions. The greatest overall
expansion occurred in the consumer mortgage segment, which grew at a 16% CAGR
(including the impact of acquisitions) over that time frame. The consumer
mortgage growth was primarily driven by record mortgage refinancing volumes
over the last five years, as well as the acquisition of consumer-oriented banks
and branches in that time period. As a consequence, the consumer mortgages
segment accounted for 34% of the total loan portfolio at year-end 2006 versus
28% at the end of 2002. Consumer installment loans, largely borrowings
originated in automobile, marine and recreational vehicle dealerships
experienced a compounded annual growth rate of 10.8% over the last 5 years.
Business lending grew at a compounded annual growth rate of 9.7% from 2002 to
2006. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The weighting
of retail lending in the Company&#146;s loan portfolio enables it to be highly
diversified. Approximately 64% of loans outstanding at the end of 2006 were
made to consumers borrowing on an installment, line of credit or residential
mortgage loan basis. The commercial portfolio is also broadly diversified by
industry type as demonstrated by the following distributions at year-end 2006:
real estate development (23%), healthcare (9%), general services (9%), motor
vehicle and parts dealers (6%), construction (5%), agriculture (6%), restaurant
&amp; lodging (5%), retail trade (7%), manufacturing (6%) and wholesale trade
(5%). A variety of other industries with less than a 3% share of the total
portfolio comprise the remaining 19%. Since August 2006, the mix of loans has
become more weighted towards business lending due to the high proportion of
commercial loans in Elmira&#146;s portfolio.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>26</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The consumer mortgage segment of the Company&#146;s loan
portfolio is comprised of fixed (91%) and adjustable rate (9%) residential
lending. Consumer mortgages increased $97.0 million or 11.9% in 2006. Excluding
the impact of the Elmira and ONB acquisitions, this segment was up $17.0
million or 2.1% in 2006. During the last several years, record levels of
refinancing activity were driven by mortgage rates that were at or near 40-year
lows. Consumer mortgage growth has slowed in 2006 and 2005 compared to the prior
years, as the pace of refinancing slowed after an extended period of elevated
demand in the low-rate environment. Growth in the consumer mortgage portfolio
would have been 15.8% if the sale of $31.4 million of longer-term, fixed-rate
mortgages in the secondary market had not been conducted. These mortgages were
sold in the secondary market to improve the Company&#146;s interest rate risk
position. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The combined total of general-purpose business
lending, dealer floor plans and mortgages on commercial property is
characterized as the Company&#146;s business lending activity. The business-lending
portfolio increased $140.4 million or 17.1% in 2006. Excluding the impact of
the Elmira and ONB acquisitions, this segment declined $3.1 million or less
than 1%. Growth in commercial mortgage and business line of credit activity
during the year has more than offset a planned and managed decline in
automotive dealer floor plans outstanding. The Company continues to face
competitive conditions in most of its markets and it maintains its commitment
to generating growth in its business portfolio in a manner that adheres to its
twin goals of maintaining strong asset quality and producing profitable
margins.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consumer installment loans, both those originated
directly (such as personal loans and home equity loans and lines of credit),
and indirectly (originated predominantly in automobile, marine and recreational
vehicle dealerships), rose $52.3 million or 6.7% from one year ago. Excluding
the impact of the Elmira and ONB acquisitions, this segment increased $33.4
million or 4.3%. Continued moderate interest rates by historical standards,
aggressive dealer and manufacturer incentives on new vehicles, and enhanced
business development efforts have helped drive strong growth in this segment
over the last three years. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following table shows the maturities and type of
interest rates for business and construction loans as of December 31, 2006: </FONT></P>

<P ALIGN=CENTER STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:0IN; '><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table 9: Maturity
Distribution of Business and Construction
Loans <SUP>(1)</SUP></B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="48%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="13%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing
  in One Year or Less</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing
  After One but Within Five Years</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing
  After <BR>
  Five Years</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Commercial, financial and
  agricultural</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>315,502</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>441,711</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>178,943</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Real estate - construction</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23,946</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>
Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>339,448</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>441,711</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>178,943</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Fixed or predetermined interest rates</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>132,899</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>262,812</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>46,125</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Floating or adjustable interest rates</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>206,549</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>178,899</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>132,818</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>
Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>339,448</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>441,711</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>178,943</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(1)</SUP>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scheduled repayments are reported in the maturity category in which the payment
is due. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>27</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Asset Quality</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following table presents information concerning
nonperforming assets:</FONT></P>

<P ALIGN=CENTER STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:0IN; '><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table 10:
Nonperforming Assets</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="40%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2003</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2002</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Nonaccrual loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,107</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,857</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,798</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,940</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,754</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Accruing loans 90+ days delinquent</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,207</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,075</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,158</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,307</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,890</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Restructured loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,275</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,375</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
  nonperforming loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,589</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,307</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,956</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,275</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,687</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other real estate</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,838</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,048</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,645</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,077</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>704</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
  nonperforming assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,427</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,355</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,601</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,352</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,391</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Allowance for loan losses to total loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.34</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.35</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.35</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.46</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Allowance for
  loan losses to nonperforming loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>288</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>245</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>245</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>219</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>225</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Nonperforming loans to total loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.55</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.55</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.62</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.65</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Nonperforming
  assets to total loans and other real estate</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.53</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.59</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.62</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.67</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.69</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE>

<P STYLE='MARGIN-RIGHT:0IN; MARGIN-LEFT:0IN'><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company places a loan on
nonaccrual status when the loan becomes
ninety days past due or sooner, if management concludes collection of interest
is doubtful, except when, in the opinion of management, it is
well-collateralized and in the process of collection. As shown in Table 10
above, nonperforming loans, defined as nonaccruing loans plus accruing loans 90
days or more past due, ended 2006 at $12.6 million, down approximately $0.7
million or 5.4% from one year earlier. The ratio of nonperforming loans to
total loans decreased eight basis points from the prior year to 0.47%. The
ratio of nonperforming assets (which includes troubled debt restructuring and
other real estate owned, or &#147;OREO&#148;, in addition to nonperforming loans) to
total loans plus OREO decreased to 0.53% at year-end 2006, down six basis
points from one-year earlier. The improvement was driven by improvements in the
economy, enhanced collection and recovery efforts, and the charge-off and
disposition of certain problematic loans in prior years. Had nonaccrual loans
for the year ended December 31, 2006 been current in accordance with their
original terms, additional interest income of approximately $1.0 million would
have been recorded. At year-end 2006, the Company was managing 23 OREO
properties with a value of $1.8 million as compared to 15 OREO properties at a
value of $1.0 million a year earlier. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total delinquencies, defined as loans 30 days or more past due or in
nonaccrual status, finished the current year at 1.33% of total loans
outstanding versus 1.46% at the end of 2005. As of year-end 2006, total
delinquency ratios for commercial loans, consumer loans, and real estate
mortgages were 1.62%, 1.33%, and 1.03%, respectively. These measures were
1.80%, 1.57% and 1.02%, respectively, as of December 31, 2005. Delinquency levels,
particularly in the 30 to 89 days category, tend to be somewhat volatile due to
their measurement at a point in time, and therefore management believes that it
is useful to look at this ratio over a longer period. The total average
quarter-end delinquency ratio for 2006 was 1.24% versus 1.40% in 2005.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>28</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">The changes in the allowance for loan losses
for the last five years is as follows: </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table 11: Allowance for Loan Loss Activity</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="29%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="14" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="14" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted except for ratios)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2003</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2002</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Allowance for loan losses at
beginning of
  period</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,778</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,331</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23,901</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Charge-offs:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Business
lending</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,787</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,639</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,621</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,521</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,071</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Consumer
mortgage</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>344</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>522</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>535</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>239</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>221</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Consumer
installment</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,902</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,071</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,624</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,351</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,723</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
charge-offs</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,033</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,232</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,780</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,111</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,015</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Recoveries:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Business
lending</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>930</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>730</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>871</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>417</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>281</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Consumer
mortgage</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>107</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>142</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>78</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>119</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Consumer
installment</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,925</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,629</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,437</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,353</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,823</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
recoveries</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,962</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,501</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,356</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,848</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,223</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net charge-offs</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,071</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,731</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,424</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,263</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,792</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Provision for loan
losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,585</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,534</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,222</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Allowance on acquired loans
<SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,218</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,357</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,832</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Allowance for loan losses at
end of period</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,313</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,778</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,331</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Amount of loans outstanding at
end of
  period</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,701,558</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,411,769</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,358,420</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,128,446</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,806,826</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Daily average amount of loans
(net of
  unearned discount)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,514,173</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,374,832</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,264,791</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,885,541</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,759,500</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net charge-offs to average loans
  outstanding</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.24</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.33</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.54</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.56</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="94%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>This reserve addition is
  attributable to loans acquired from Elmira and ONB in 2006, First Heritage
  Bank in 2004, and Peoples Bankcorp Inc. and Grange National Banc Corp in
  2003.</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As displayed in Table 11 above, total net charge-offs in 2006 were $6.1
million, down $1.7 million from the prior year, principally due to
significantly improved results in the consumer installment lending portfolio,
offset by increased net charge-offs in the business lending portfolio. Net
charge-offs in 2005 were $0.7 million below 2004&#146;s level, benefiting from
improved results in the business-lending portfolio. A prolonged period of
economic weakness in our markets from late 2000 through early 2003 impacted the
net charge-off levels in both 2002 and 2003, with the greatest impact being
realized in the business loan segment.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Due to the significant increases in average loan balances over time due
to acquisition and organic growth, management believes that net charge-offs as
a percent of average loans (&#147;net charge-off ratio&#148;) offers a more meaningful
representation of asset quality trends. The net charge-off ratio
for 2006 was down nine basis points from last year to 0.24%. This year&#146;s ratio
benefited from improved gross charge-off and recovery performance. Gross
charge-offs as a percentage of average loans dropped seven basis points to
0.40% in 2006. Enhanced recovery efforts were evidenced by recoveries of $4.0
million, representing 37% of average gross charge-offs for the latest two
years, compared to 30% in 2005. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Business loan net charge-offs increased in 2006, totaling $2.9 million
or 0.33% of average business loans outstanding versus $1.9 million or 0.23% in
2005. The primary reason for the increased net charge-off ratio for business
loans were three commercial relationships in the auto industry. Consumer
installment loan net charge-offs decreased to $3.0 million this year from $5.4
million in 2005, and the 2006 net charge-off ratio decreased 35 basis points to
0.37% due to improved collection efforts and underwriting processes. Consumer
mortgage net charge-offs declined $0.1 million to $0.2 million in 2006, and the
net charge-off ratio declined two basis points to 0.03%.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>29</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>All the
primary asset quality metrics deteriorated in 2002 and these conditions
continued into 2003. This was principally due to the weakened economic
conditions in the Company&#146;s markets, and was manifested most strongly in the
business loan portfolio. Based on almost all measurements, the asset quality
profile of the Company began to improve in 2003 in conjunction with gradually
improving economic conditions and strengthened credit administration and loan
review resources. Significant changes and enhancements were made to lending and
credit administration functions in 2003 and have continued through 2006. These
improvements contributed significantly to the positive credit management
performance in over the last three years.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Management
continually evaluates the credit quality of the Company&#146;s loan portfolio and
conducts a formal review of the allowance for loan loss adequacy on a quarterly
basis. The two primary components of the loan review process that are used to
determine proper allowance levels are specific and general loan loss
allocations.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Measurement of
specific loan loss allocations is typically based on expected future cash
flows, collateral values and other factors that may impact the borrower&#146;s
ability to pay. Impaired loans greater than $0.5 million are evaluated for
specific loan loss allocations, as defined in SFAS No. 114, <I>Accounting by Creditors for Impairment of a Loan</I>,
as amended. Consumer mortgages and consumer installment loans are considered
smaller balance homogeneous loans and are evaluated collectively. The Company
considers a loan to be impaired when, based on current information and events,
it is probable that the Company will be unable to collect all amounts according
to the contractual terms of the loan agreement or the loan is delinquent 90
days or more. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The second
component of the allowance establishment process, general loan loss
allocations, is composed of two calculations that are computed on the four main
loan segments: commercial, consumer direct, consumer indirect and residential
real estate. The first calculation determines an allowance level based on the
latest three years of historical net charge-off data for each loan category
(commercial loans exclude balances with specific loan loss allocations). The
second calculation is qualitative and takes into consideration five major
factors affecting the level of loan loss risk: portfolio risk migration
patterns (internal credit quality trends); the growth of the segments of the
loan portfolio; economic and business environment trends in the Company&#146;s
markets (includes review of bankruptcy, unemployment, population, consumer
spending and regulatory trends); industry, geographical and product
concentrations in the portfolio; and the perceived effectiveness of managerial
resources and lending practices and policies. These two allowance calculations
are added together to determine the general loan loss allocation. The allowance
levels computed from the specific and general loan loss allocation methods are
combined to derive the necessary allowance for loan loss to be reflected on the
Consolidated Statement of Condition.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The loan loss
provision is calculated by subtracting the previous period allowance for loan
loss, net of the interim period net charge-offs, from the current required
allowance level. This provision is then recorded as an expense in the income
statement for that period. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Members of
senior management and the loan committee of the Board of Directors review the
adequacy of the allowance for loan loss quarterly. Management is committed to
continually improving the credit assessment and risk management capabilities of
the Company and has dedicated the resources necessary to ensure advancement in
this critical area of operations.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The allowance
for loan loss was increased to $36.3 million at year-end 2006 from $32.6
million at the end of 2005. The $3.7 million increase was primarily due to the
$242 million additional loans from the Elmira and ONB acquisitions as well as
$47 million of organic loan growth, while the Company&#146;s asset quality profile
remained favorable. The ratio of the allowance for loan loss to total loans
decreased one basis point to 1.34% for year-end 2006 as compared to 1.35% for
year end 2005 and 2004 primarily due to acquired loans. Management believes the
year-end 2006 allowance for loan losses to be adequate in light of the probable
losses inherent in the Company&#146;s loan portfolio. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The loan loss
provision of $6.6 million in 2006 decreased by $1.9 million or 23% as a result
of management&#146;s assessment of the probable losses in the loan portfolio, and
the reduced level of charge-offs in 2006, as discussed above. The loan loss
provision as a percentage of average loans decreased from 0.36% in 2005 to
0.26% this year in most part due to the improving asset quality trends. The
loan loss provision covered net charge-offs by 108% this year versus 110% in
2005, reflective of the reduced level of charge-offs this year.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
table sets forth the allocation of the allowance for loan losses by loan
category as of the dates indicated, as well as the percentage of loans in each
category to total loans. This allocation is based on management&#146;s assessment,
as of a given point in time, of the risk characteristics of each of the
component parts of the total loan portfolio and is subject to changes when the
risk factors of each component part change. The allocation is not indicative of
either the specific amounts of the loan categories in which future charge-offs
may be taken, nor should it be taken as an indicator of future loss trends. The
allocation of the allowance to each category does not restrict the use of the
allowance to absorb losses in any category.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>30</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
12: Allowance for Loan Losses by Loan Type</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="24%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2003</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2002</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted except for ratios)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Allowance</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Loan</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Mix</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Allowance</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Loan</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Mix</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Allowance</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Loan</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Mix</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Allowance</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Loan</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Mix</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Allowance</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Loan</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Mix</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Consumer mortgage</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,519</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>33.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" NOWRAP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,991</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>33.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" NOWRAP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,810</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>34.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" NOWRAP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,724</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>34.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8" NOWRAP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>479</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>28.2</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Business lending</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>17,700</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35.5</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>15,917</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>34.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>16,439</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35.2</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>15,549</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>32.4</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>16,765</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>34.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Consumer installment</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>10,258</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>30.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>12,005</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>32.2</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>11,487</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>30.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>11,112</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>32.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>8,978</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>36.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Unallocated</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4,836</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,668</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,042</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>710</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>109</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>36,313</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>100.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>100.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>31,778</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>100.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>29,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>100.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>26,331</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>100.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As
demonstrated in Table 12 above and discussed previously, business lending by
its nature carries a higher credit risk than consumer mortgage or consumer
direct and indirect, and as a result a disproportionate amount of the allowance
for loan losses is deemed necessary for this portfolio. For 2006 the proportion
of the allowance for loan losses allocated to consumer direct and indirect
declined 8.6 percentage points, as a result of the favorable net charge-off
performance over the last year. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
unallocated allowance increased from $1.7 million in 2005 to $4.8 million in
2006. As in prior years, the unallocated allowance is maintained for inherent
losses in the portfolio not reflected in the historical loss ratios, model
imprecision and for the acquired loan portfolios, including Elmira and ONB,
which historically have included loans underwritten with less conservative
underwriting standards. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Funding Sources</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
utilizes a variety of funding sources to support the earning asset base as well
as to achieve targeted growth objectives. Overall funding is comprised of three
primary sources that possess a variety of maturity, stability, and price
characteristics: deposits of individuals, partnerships and corporations (IPC
deposits); collateralized municipal deposits (public funds); and external
borrowings.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The average
daily amount of deposits and the average rate paid on each of the following
deposit categories are summarized below for the years indicated:</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
13: Average Deposits</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="21%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted, except rates)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Balance</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Rate Paid</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Balance</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Rate Paid</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Balance</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Average</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Rate Paid</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Noninterest-bearing demand
deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>567,500</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>585,913</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>553,867</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest-bearing demand
deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>346,618</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.44</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>309,617</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.25</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>300,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.24</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Regular savings
deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>465,058</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.76</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>511,907</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.67</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>524,425</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.66</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Money market deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>337,560</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>354,294</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.34</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>306,112</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.72</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Time deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,348,167</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.69</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,214,719</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.78</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,188,625</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2> Total deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,064,903</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.01</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,976,450</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.44</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,873,406</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.20</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As displayed
in Table 13 above, total average deposits for 2006 equaled $3.06 billion, up
$88.5 million or 3.0% from the prior year. Excluding the average deposits
acquired from Elmira and ONB in 2006, average deposits increased $35.8 million
or 1.2%. Average deposits in 2005 were up $103 million or 3.6% from 2004. This
increase was principally the result of deposits obtained through the First
Heritage and Dansville acquisitions in the second and fourth quarter of 2004,
respectively. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
funding composition continues to benefit from a high level of IPC deposits,
which reached an all-time high in 2006 with an average balance of $2.83
billion, an increase of $56.0 million or 2.0% over the comparable 2005 period.
This was largely due to the $52 million in IPC deposits added in conjunction
with the acquisitions of Elmira and ONB in August and December, respectively.
IPC deposits are frequently considered to be a bank&#146;s most attractive source of
funding because they are generally stable, do not need to be collateralized,
have a relatively low cost, and provide a strong customer base for which a
variety of loan, deposit and other financial service-related products can be
sold.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Full-year
average deposits of local municipalities rose $32.5 million or 16% during 2006,
with the Elmira and ONB acquisitions accounting for $0.5 million of the
increase. The Company is required to collateralize all local government
deposits with marketable securities from its investment portfolio. Because of
this stipulation, management considers this source of funding to be similar to
external borrowings. As such, the Company generally prices the time deposit
portion of this funding source consistent with alternative external borrowing
rates. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>31</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The mix of
average deposits in 2006 changed slightly in comparison to 2005. The weightings
of interest checking and time deposits increased from their 2005 levels, while
noninterest bearing demand deposit, savings, and money market weightings
decreased. This change in deposit mix reflects new product introductions,
proactive marketing and increasing yields on time deposit accounts throughout the
year. The average balance for time deposit accounts increased from 40.8% of the
total deposits in 2005 to 44.0% of total deposits this year. This shift in mix,
combined with increased interest rates on all deposit products caused the cost
of interest bearing deposits to rise 2.46% in 2006, as compared to 1.79% in
2005 and 1.49% in 2004.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The remaining
maturities of time deposits in amounts of $100,000 or more outstanding as of
December 31 are as follows:</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
14: Time Deposit &gt; $100,000 Maturities</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="65%">
<TR style="font-size:1px">
<TD WIDTH="56%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Less than
  three months</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>92,930</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>104,029 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Three months
  to six months</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,358</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,538 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Six months
  to one year</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>77,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>70,482 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Over one
  year</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>54,915</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>37,190 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>265,784</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>248,239 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>External
borrowings are defined as funding sources available on a national market basis,
generally requiring some form of collateralization. Borrowing sources for the
Company include the Federal Home Loan Bank of New York and Federal Reserve Bank
of New York, as well as access to the repurchase market through established
relationships with primary market security dealers. The Company also had
approximately $158 million in fixed and floating-rate subordinated debt outstanding at the end of 2006 that is held by
unconsolidated subsidiary trusts. In December 2006 the Company completed
a sale of $75 million of trust preferred securities. The securities mature on
December 15, 2036 at an annual rate equal to the three month LIBOR rate plus
1.65%. The net proceeds of the offering will be used by the Company for general
corporate purposes including the early call of $30 million of fixed-rate trust
preferred securities in early 2007. At the time of the offering, the Company
also entered into an interest rate swap agreement to convert the variable rate
trust preferred securities into a fixed rate obligation for a term of five
years at a fixed rate of 6.43%.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>External
borrowings averaged $672 million or 18% of total funding sources for all of
2006 as compared to $761 million or 20% of total funding sources for 2005. As
shown in Table 15 on page 33, at year-end 2006, $186 million or 23% of external
borrowings had remaining terms of one year or less, down considerably from $649
million or 71% at the end of 2004. This change in external funding mix is the
result of not fully reinvesting the cash flows from the sales and maturities of
investments in the current flat yield curve environment, and instead using the
funds to pay down short-term borrowings.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As displayed
in Table 4 on page 19, the overall mix of funding has shifted in 2006. The
percentage of funding derived from deposits increased to 82% in 2006 from 80%
in 2005 and 78% in 2004. FHLB borrowings decreased during 2005 and early 2006
as cash flows from the maturity of investments were used to reduce short-term
borrowings. Additionally, the Company took advantage of the low interest rates
in 2006 and converted $150 million of FHLB short term borrowings to long term
instruments with two or three year convertible features. At December 31, 2006,
borrowings are up $152.4 million from December 31, 2005, primarily due to the
$75 million of new trust preferred securities as well as approximately $50
million of long term borrowings acquired in the Elmira and ONB transactions. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>32</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
table summarizes the outstanding balance of short-term borrowings of the
Company as of December 31: </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
15: Short-term Borrowings</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="80%">
<TR style="font-size:1px">
<TD WIDTH="48%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted, except rates)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Federal
  funds purchased</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,200 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Term
  borrowings at banks</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>90 days or
less</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>20,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>55,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>465,000 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Over 90
days</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>135,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>171,000 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Commercial
  loans sold with recourse</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>143</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>190</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>74</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Subordinated debt held by
unconsolidated
  subsidiary trusts</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,928</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Balance at end
of period</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>186,371</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>191,490</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>649,274 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Daily
  average during the year</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>144,043</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>366,775</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>442,287 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Maximum
  month-end balance</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>192,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>552,500</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>649,274 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Weighted
  average rate during the year</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.83</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.07</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Weighted
  average year-end rate</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.90</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.67</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.51</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
table shows the maturities of various contractual obligations as of December 31,
2006:</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
16: Maturities of Contractual Obligations</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="35%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing<BR>
  Within<BR>
  One Year<BR>
  or Less</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing<BR>
  After One<BR>
  Year but<BR>
  Within<BR>
  Three Years</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing<BR>
  After Three<BR>
  Years but<BR>
  Within<BR>
  Five Years</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing<BR>
  After <BR>
  Five Years</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Total</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Federal Home
  Loan Bank advances</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>155,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24,756</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>180,803</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>286,127</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>646,986</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Subordinated debt held by
unconsolidated
  subsidiary trusts</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,928</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,086</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>158,014</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Commercial
  loans sold with recourse</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>143</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>341</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>495</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Purchase obligations, primarily
premises
  and equipment</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,430</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,430</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Operating
  leases</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,291</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,916</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,229</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,466</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,902</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>191,092</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27,672</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>183,043</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>417,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>818,827</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Financial Instruments with Off-Balance Sheet
Risk</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company is
a party to financial instruments with off-balance-sheet risk in the normal
course of business to meet the financing needs of its customers. These financial
instruments consist primarily of commitments to extend credit and standby
letters of credit. Commitments to extend credit are agreements to lend to
customers, generally having fixed expiration dates or other termination clauses
that may require payment of a fee. These commitments consist principally of
unused commercial and consumer credit lines. Standby letters of credit
generally are contingent upon the failure of the customer to perform according
to the terms of an underlying contract with a third party. The credit risks
associated with commitments to extend credit and standby letters of credit are
essentially the same as that involved with extending loans to customers and are
subject to normal credit policies. Collateral may be obtained based on management&#146;s
assessment of the customer&#146;s creditworthiness. The fair value of these
commitments is immaterial for disclosure in accordance with FASB Interpretation
No. 45, &#147;<I>Guarantor&#146;s Accounting and
Disclosure Requirements for Guarantees, Including Indirect Guarantees of
Indebtedness of Others</I>&#148;. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The contract
amount of these off-balance sheet financial instruments as of December 31 is as
follows:</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
17: Off-Balance Sheet Financial Instruments</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="65%">
<TR style="font-size:1px">
<TD WIDTH="56%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Commitments to
  extend credit</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>443,367</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>434,640</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Standby
  letters of credit</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,082</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,638 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>453,449</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>460,278 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>33</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Investments </U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The objective
of the Company&#146;s investment portfolio is to hold low-risk, high-quality earning
assets that provide favorable returns and provide another effective tool to
actively manage its asset/liability position to maximize future net interest
income opportunities. This must be accomplished within the following
constraints: (a) implementing certain interest rate risk management strategies
which achieve a relatively stable level of net interest income; (b) providing
both the regulatory and operational liquidity necessary to conduct day-to-day
business activities; (c) considering investment risk-weights as determined by
the regulatory risk-based capital guidelines; and (d) generating a favorable
return without undue compromise of the other requirements.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
executed a number of sales strategies during 2005, with a focus on maximizing
the total return performance of the portfolio. During 2005 sales of U.S.
Treasury and Agency securities, AAA rated obligations of state and political
subdivisions, and investment grade corporate bonds were $173.2 million, $46.1
million and $24.4 million, respectively. The corresponding pre-tax gains on
investment securities recognized on these sales were $7.0 million, $2.2 million
and $3.0 million, respectively. All proceeds from these sales were used to
repay short-term borrowings from the Federal Home Loan Bank of New York. During
2006, the investment portfolio has continued to decline due to the contractual
runoff of securities. Cash flows from the maturing securities have been used to
pay down short-term borrowings and the excess has been invested in short-term
interest bearing cash equivalents, as the long-term investments alternatives
are not attractive in the current flat yield curve environment.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As displayed
in Table 18 below, the book value of the Company&#146;s investment portfolio
decreased $67.9 million or 5.3% during the year to $1.221 billion. Investment
maturities and limited new investment opportunities in the current flat yield
curve environment were the primary reasons for this decline in balance. As of
December 31, 2006 the expected life-to-maturity of the portfolio was 4.7 years
versus 5.3 years as of December 31, 2005. Average investment balances (book
value basis) for 2006 decreased $142.3 million or 10.1% versus the prior year.
Investment interest income in 2006 was $7.0 million or 9.8% lower than the
prior year as a result of the lower average balances in the portfolio,
partially offset by a one basis point increase in the average investment yield
from 6.03% to 6.04%.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The investment
portfolio has limited credit risk due to the composition continuing to heavily
favor U.S. Agency debentures, U.S. Agency mortgage-backed pass-throughs, U.S.
Agency CMOs and municipal bonds insured by third parties. As of year-end 2006,
these four AAA-rated (highest possible rating) security types accounted for 95%
of the portfolio&#146;s total book value. These four security types comprised 96% of
total investments as of December 31, 2005.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Eighty-eight
percent of the investment portfolio was classified as available-for-sale at
year-end 2006 versus 89% at the end of 2005. The net pre-tax market value gain
over book value for the available-for-sale portfolio as of December 31, 2006
was $7.8 million, down $5.9 million from one year earlier. This decline
reflects the maturing of securities, as well as increasing market interest
rates during the intervening period.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>34</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
table sets forth the amortized cost and market value for the Company&#146;s
investment securities portfolio:</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table 18: Investment Securities</B></FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="23%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>


<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>




<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amortized<BR>
  Cost/Book<BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair<BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amortized<BR>
  Cost/Book<BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair<BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amortized<BR>
  Cost/Book<BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair<BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Held-to-Maturity Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>U.S. treasury
and agency securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,200</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>124,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,345</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>124,326</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,490</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>125,906
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Obligations of
state and political subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,242</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,257</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,709</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,735</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,576</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,694
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,417</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,417</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,451</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,451</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,578</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,578
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
held-to-maturity portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>145,859</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>142,694</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>142,505</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>139,512</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>137,644</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>136,178
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Available-for-Sale Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>U.S. treasury
and agency securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>372,706</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>370,787</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>420,062</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>420,808</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>630,058</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>650,767
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Obligations of
state and political subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>502,677</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>514,647</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>519,661</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>532,708</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>545,992</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>573,845
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Corporate debt
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,603</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,080</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,744</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,559</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,443</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43,898
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Collateralized
mortgage obligations</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43,768</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43,107</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>78,710</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>78,468</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>70,986</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>72,444
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Mortgage-backed securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>76,266</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75,181</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>53,019</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>53,363</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,347</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>52,664
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Subtotal</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,031,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,038,802</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,107,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,120,906</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,337,826</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,393,618
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Equity
securities <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>34,028</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>34,028</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,841</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,841</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43,515</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43,515
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Federal
Reserve Bank common stock</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,582</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,582</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,865</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,865</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,856</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,856
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
available-for-sale portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,075,630</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,083,412</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,146,902</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,160,612</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,391,197</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,446,989
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net unrealized gain on
available-for-sale portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,782</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,710</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>55,792</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,229,271</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,226,106</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,303,117</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,300,124</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,584,633</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,583,167
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=3 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Includes $32,717, $28,791 and $42,480 of FHLB
  common stock at December 31, 2006, 2005, and 2004, respectively. </FONT></P>
</TD>
</TR>
</TABLE><BR>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>35</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
table sets forth as of December 31, 2006, the maturities of investment
securities and the weighted-average yields of such securities, which have been
calculated on the cost basis, weighted for scheduled maturity of each security,
and adjusted to a fully tax-equivalent basis:</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Table
19: Maturities of Investment Securities</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=600>
<TR style="font-size:1px">
<TD WIDTH="36%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted, except rates)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing<BR>
  Within<BR>
  One Year<BR>
  or Less</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing<BR>
  After One<BR>
  Year but<BR>
  Within<BR>
  Five Years</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing<BR>
  After Five</B><BR>
<B>Years but<BR>
  Within<BR>
  Ten Years</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturing<BR>
  After <BR>
  Ten Years</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Total<BR>
  Amortized<BR>
  Cost/Book<BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Held-to-Maturity Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>U.S. treasury
and agency securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>112,200</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,200</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Obligations of
state and political subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,465</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,747</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,242</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>96</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,321</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,417</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
held-to-maturity portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,465</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,747</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>112,326</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,321</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>145,859</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Weighted Average
  Yield <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.39</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.14</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.01</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.19</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.02</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Available-for-Sale Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>U.S. treasury
and agency securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,107</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>103,508</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>186,046</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>72,045</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>372,706</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Obligations of
state and political subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,915</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>116,140</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>235,244</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>147,378</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>502,677</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Corporate debt
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,476</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18,127</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,603</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Collateralized
mortgage obligations <SUP>(2)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>920</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,783</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,065</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43,768</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mortgage-backed securities <SUP>(2)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>203</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>629</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,187</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>68,247</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>76,266</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
available-for-sale portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15,225</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>238,673</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>464,387</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>312,735</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,031,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
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</TD>
<TD VALIGN=TOP>
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</TD>
<TD VALIGN=TOP>
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<TD VALIGN=TOP>
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<TD VALIGN=TOP>
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</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Weighted
  Average Yield <SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.11</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.62</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.87</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.45</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.99</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE><BR>


<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>

<TR>
<TD VALIGN=top>
<P  style="margin-top:-3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(1)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify style="margin-top:3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Weighted average yields are an
arithmetic computation of accrued income divided by average balance; they may
differ from the yield to maturity, which considers the time value of money.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM >
<P  ><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=top>
<P  style="margin-top:-3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2><SUP>(2)</SUP></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P align=justify style="margin-top:3px"><FONT Face="Times New Roman, Times, Serif" SIZE=2> Mortgage-backed securities and
collateralized mortgage obligations are listed based on the contractual
maturity. Actual maturities will differ from contractual maturities because
borrowers may have the right to call or prepay certain obligations with or
without penalties.</FONT></P>
</TD>
</TR>


</TABLE>





<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Impact of Inflation and Changing Prices</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
financial statements have been prepared in terms of historical dollars, without
considering changes in the relative purchasing power of money over time due to
inflation. Unlike most industrial companies, virtually all of the assets and
liabilities of a financial institution are monetary in nature. As a result,
interest rates have a more significant impact on a financial institution&#146;s
performance than the effect of general levels of inflation. Interest rates do
not necessarily move in the same direction or in the same magnitude as the
prices of goods and services. Notwithstanding this, inflation can directly
affect the value of loan collateral, in particular real estate. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>New Accounting
Pronouncements</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>See <I>&#147;New Accounting Pronouncements</I>&#148; Section of
Note A of the notes to the consolidated financial statements on page 51 for
additional accounting pronouncements.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>36</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><U>Forward-Looking
Statements</U></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>This document
contains comments or information that constitute forward-looking statements
(within the meaning of the Private Securities Litigation Reform Act of 1995),
which involve significant risks and uncertainties. Actual results may differ
materially from the results discussed in the forward-looking statements.
Moreover, the Company&#146;s plans, objectives and intentions are subject to change
based on various factors (some of which are beyond the Company&#146;s control).
Factors that could cause actual results to differ from those discussed in the
forward-looking statements include: (1) risks related to credit quality,
interest rate sensitivity and liquidity; (2) the strength of the U.S. economy
in general and the strength of the local economies where the Company conducts
its business; (3) the effect of, and changes in, monetary and fiscal policies
and laws, including interest rate policies of the Board of Governors of the
Federal Reserve System; (4) inflation, interest rate, market and monetary
fluctuations; (5) the timely development of new products and services and
customer perception of the overall value thereof (including features, pricing
and quality) compared to competing products and services; (6) changes in
consumer spending, borrowing and savings habits; (7) technological changes; (8)
any acquisitions or mergers that might be considered or consummated by the
Company and the costs and factors associated therewith; (9) the ability to
maintain and increase market share and control expenses; (10) the effect of
changes in laws and regulations (including laws and regulations concerning
taxes, banking, securities and insurance) and accounting principles generally
accepted in the United States; (11) changes in the Company&#146;s organization,
compensation and benefit plans and in the availability of, and compensation
levels for, employees in its geographic markets; (12) the costs and effects of
litigation and of any adverse outcome in such litigation; (13) other risk
factors outlined in the Company&#146;s filings with the Securities and Exchange
Commission from time to time; and (14) the success of the Company at managing
the risks of the foregoing.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The foregoing
list of important factors is not exclusive. Such forward-looking statements
speak only as of the date on which they are made and the Company does not
undertake any obligation to update any forward-looking statement, whether
written or oral, to reflect events or circumstances after the date on which
such statement is made. If the Company does update or correct one or more
forward-looking statements, investors and others should not conclude that the
Company will make additional updates or corrections with respect thereto or
with respect to other forward-looking statements.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>37</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><A NAME=A13></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 7A.
Quantitative and Qualitative Disclosures about Market Risk</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Market Risk</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Market risk is
the risk of loss in a financial instrument arising from adverse changes in
market rates, prices or credit risk. Credit risk associated with the Company&#146;s
loan portfolio has been previously discussed in the asset quality section of
Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations.
Although more than a third of the securities portfolio at year-end 2006 was
invested in municipal bonds, management believes that the tax risk of the
Company&#146;s municipal investments associated with potential future changes in
statutory, judicial and regulatory actions is minimal. The Company also
believes that it has an insignificant amount of credit risk in its investment
portfolio because essentially all of the fixed-income securities in the
portfolio are AAA-rated (highest possible rating). The Company does not have
any material foreign currency exchange rate risk exposure. Therefore, almost
all the market risk in the investment portfolio is related to interest rates. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The ongoing
monitoring and management of both interest rate risk and liquidity, in the
short and long term time horizons is an important component of the Company&#146;s
asset/liability management process, which is governed by limits established in
the policies reviewed and approved annually by the Board of Directors. The
Board of Directors delegates responsibility for carrying out the policies to
the Asset/Liability Committee (&#147;ALCO&#148;), which meets each month. The committee
is made up of the Company&#146;s senior management as well as regional and
line-of-business managers who oversee specific earning asset classes and
various funding sources.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Asset/Liability Management</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The primary
objective of the Company&#146;s asset/liability management process is to maximize
earnings and return on capital within acceptable levels of risk. As the Company
does not believe it is possible to reliably predict future interest rate
movements, it has maintained an appropriate process and set of measurement
tools that enable it to identify and quantify sources of interest rate risk in
varying rate environments. The primary tools used by the Company in managing
interest rate risk are the income simulation model and economic value of equity
modeling.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Interest Rate Risk</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Interest rate
risk (&#147;IRR&#148;) can result from the timing differences in the maturity/repricing
of an institution&#146;s assets, liabilities, and off-balance sheet contracts; the
effect of embedded options, such as loan prepayments, interest rate
caps/floors, and deposit withdrawals; and differences in the behavior of
lending and funding rates, sometimes referred to as basis risk; an example of
basis risk would occur if floating rate assets and liabilities, with otherwise
identical repricing characteristics, were based on market indexes that were
imperfectly correlated.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Given the
potential types and differing related characteristics of IRR, it is important
that the Company maintain an appropriate process and set of measurement tools
that enable it to identify and quantify its primary sources of IRR. The Company
also recognizes that effective management of IRR includes an understanding of
when potential adverse changes in interest rates will flow through the income
statement. Accordingly, the Company will manage its position so that it
monitors its exposure to net interest income over both a one year planning
horizon and a longer-term strategic horizon.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>It is the
Company&#146;s objective to manage its exposure to interest rate risk, bearing in
mind that it will always be in the business of taking on rate risk and that
rate risk immunization is not possible. Also, it is recognized that as exposure
to interest rate risk is reduced, so too may net interest margin be reduced.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Income Simulation</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Income
simulation is tested on a wide variety of balance sheet and treasury yield
curve scenarios. The simulation projects changes in net interest income caused
by the effect of changes in interest rates. The model requires management to
make assumptions about how the balance sheet is likely to evolve through time
in different interest rate environments. Loan and deposit growth rate
assumptions are derived from management&#146;s outlook, as are the assumptions used
for new loan yields and deposit rates. Loan prepayment speeds are based on a
combination of current industry averages and internal historical prepayments.
Balance sheet and yield curve assumptions are analyzed and reviewed by the ALCO
Committee regularly.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
table reflects the Company&#146;s one-year net interest income sensitivity, using
December 31, 2006 asset and liability levels as a starting point.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The prime rate
and federal funds rates are assumed to move up 200 basis points and down 100
basis points over a 12-month period while the treasury curve shifts to spreads
over federal funds that are more consistent with historical norms. Deposit
rates are assumed to move in a manner that reflects the historical relationship
between deposit rate movement and changes in the federal funds rate, generally
reflecting 10%-65% of the movement of the federal funds rate.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>38</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash flows are
based on contractual maturity, optionality and amortization schedules along
with applicable prepayments derived from internal historical data and external
sources.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Net Interest Income Sensitivity Model</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=70%>
<TR style="font-size:1px" >
<TD WIDTH="50%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="6" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Calculated increase (decrease) in Projected<BR>
  Net Interest Income at December 31</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="6" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=left>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><B>Changes in
Interest Rates</B> </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><B>2006</B> </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><B>2005</B> </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=left><FONT Face="Times New Roman, Times, Serif" SIZE=2>+200 basis points</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(668,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>330,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=left><FONT Face="Times New Roman, Times, Serif" SIZE=2>-100 basis points</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,155,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>535,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In the 2006
model, both the rising and falling rate environments reflect a reduction in net
interest income (&#147;NII&#148;) from a flat rate environment. Initially, the rising
rate environment reflects a decrease in NII from a flat rate environment
largely due to short-term capital market borrowings repricing as rates rise.
Over a longer time period the growth in NII improves significantly in a rising
rate environment as lower yielding assets mature and are replaced at higher
rates. In a falling rate environment, NII decreases as a result of assets
repricing faster than liabilities.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The analysis
does not represent a Company forecast and should not be relied upon as being
indicative of expected operating results. These hypothetical estimates are
based upon numerous assumptions: the nature and timing of interest rate levels
(including yield curve shape), prepayments on loans and securities, deposit
decay rates, pricing decisions on loans and deposits, reinvestment/replacement
of asset and liability cash flows, and other factors. While the assumptions are
developed based upon current economic and local market conditions, the Company
cannot make any assurances as to the predictive nature of these assumptions,
including how customer preferences or competitor influences might change.
Furthermore, the sensitivity analysis does not reflect actions that ALCO might
take in responding to or anticipating changes in interest rates.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Management
uses a &#147;value of equity&#148; model to supplement the modeling technique described
above. Those supplemental analyses are based on discounted cash flows
associated with on and off-balance sheet financial instruments. Such analyses
are modeled to reflect changes in interest rates and shifts in the maturity
curve of interest rates and provide management with a long-term interest rate
risk metric.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>39</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><A NAME=A14></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 8. Financial
Statements and Supplementary Data</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
consolidated financial statements and independent auditor&#146;s reports of
Community Bank System, Inc. are contained on pages 41 through 70 of this item.</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=600>
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Condition,<BR>
  December 31, 2006 and 2005</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Income,<BR>
  Years ended December 31, 2006, 2005, and 2004</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Changes in Shareholders&#146; Equity,<BR>
  Years ended December 31, 2006, 2005, and 2004</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Comprehensive Income,<BR>
  Years ended December 31, 2006, 2005, and 2004</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Cash Flows,<BR>
  Years ended December 31, 2006, 2005, and 2004</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Notes to
  Consolidated Financial Statements,<BR>
  December 31, 2006</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Management&#146;s
  Report on Internal Control over Financial Reporting </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Report of
  Independent Registered Public Accounting Firm</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Quarterly
Selected Data (Unaudited) for 2006 and 2005 are contained on page 73.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>40</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>COMMUNITY
BANK SYSTEM, INC.<BR>
C<A NAME=A15></A>ONSOLIDATED STATEMENTS OF CONDITION<BR>
(In Thousands, Except Share Data)</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="66%" VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>December
  31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Assets:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Cash and
cash
  equivalents</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>232,032</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>114,605</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Available-for-sale
  investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,083,412</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,160,612</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Held-to-maturity
  investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>145,859</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>142,505</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
investment securities (fair value of $1,226,107 and $1,300,124, respectively)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,229,271</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,303,117</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,701,558</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,411,769</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Allowance
for
  loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(36,313</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net
loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,665,245</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,379,188</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Core deposit
  intangibles, net</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24,665</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28,147</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Goodwill</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>220,290</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>195,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other
intangibles,
  net</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,181</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,536</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Intangible
  assets, net</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>246,136</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>224,878</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Premises and
  equipment, net</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>66,199</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>65,175</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Accrued
interest
  receivable</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,797</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24,753</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,117</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,813</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,497,797</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,152,529</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Liabilities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Noninterest
  bearing deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>578,951</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>601,082</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest
bearing
  deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,589,348</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,382,425</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,168,299</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,983,507</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Federal
funds purchased</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>647,481</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>536,288</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Subordinated
  debt held by unconsolidated subsidiary trusts</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>158,014</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>80,502</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Accrued
interest
  and other liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>62,475</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>58,337</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
  liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,036,269</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,694,934</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Commitments
and
  contingencies (See Note N)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Shareholders&#146;
  equity:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Preferred
stock
  $1.00 par value, 500,000 shares authorized, 0 shares issued</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Common
stock,
  $1.00 par value, 50,000,000 shares authorized; 32,773,320 and 32,450,563
  shares issued in 2006 and 2005, respectively</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,773</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,451</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Additional paid-in capital</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>203,197</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>196,312</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Retained
  earnings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>291,871</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>276,809</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Accumulated
  other comprehensive (loss)/income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(4,697</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,420</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Treasury
stock,
  at cost (2,753,161 and 2,493,711 shares, respectively)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(61,616</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(56,074</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Employee
stock
  plan &#150; unearned</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(323</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
  shareholders&#146; equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>461,528</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>457,595</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
liabilities and shareholders&#146; equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,497,797</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,152,529</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The accompanying notes are an integral part of the
consolidated financial statements.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>41<BR>
</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>COMMUNITY BANK SYSTEM, INC.<BR>
C<A NAME=A16></A>ONSOLIDATED STATEMENTS OF INCOME<BR>
(In Thousands, Except Per-Share Data)</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="56%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years
  Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest
income:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest and
  fees on loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>167,113</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>147,608</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>137,077</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest and
  dividends on taxable investments</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41,869</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48,543</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>52,796</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest and
  dividends on nontaxable investments</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22,919</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23,293</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22,974</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
interest income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>231,901</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>219,444</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>212,847</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest
expense:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest on
  deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>61,544</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>42,752</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>34,587</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest on
  short-term borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,513</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,249</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,242</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest on
  subordinated debt held by unconsolidated subsidiary trusts</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,022</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,676</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest on
  long-term borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22,013</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,895</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,173</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
interest
  expense</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>97,092</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75,572</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>61,752</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net interest
  income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>134,809</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>143,872</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>151,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Less:
provision
  for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,585</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,534</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net interest
  income after provision for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>128,224</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>135,338</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>142,345</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Noninterest
income:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Deposit
service
  fees</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28,348</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27,108</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,149</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other
banking
  services</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,730</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,793</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,431</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Trust,
  investment and asset management fees</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,396</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,307</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,583</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Benefit plan
  administration, consulting and actuarial fees</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,205</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,193</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,158</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Gain (loss)
on investment securities &amp; debt extinguishments</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,403</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>72</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
  noninterest income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>49,276</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>60,596</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,393</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Operating
expenses:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Salaries and
  employee benefits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>67,103</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>65,059</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>61,146</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Occupancy
and
  equipment</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,884</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,756</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,745</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Data
processing
  and communications</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,178</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,565</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,972</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Amortization of
  intangible assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,027</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,125</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,414</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Legal and
  professional fees</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,593</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,540</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,566</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Office
supplies
  and postage</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,035</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,804</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,722</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Business
  development and marketing</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,007</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,771</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,003</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Special
  charges/acquisition expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>647</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,943</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,704</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,729</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,826</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,627</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
operating
  expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,203</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,389</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>119,899</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income
before
  income taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,297</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>68,545</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>66,839</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income
taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,920</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,740</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,643</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net
income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Basic
earnings per share</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.28</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted
earnings per share</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.65</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Dividends
declared per share</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.78</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.74</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The accompanying notes are an integral part of the
consolidated financial statements.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>42<BR>
</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>COMMUNITY BANK SYSTEM, INC. <BR>
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS&#146; EQUI<A NAME=A17></A>TY<BR>
Years ended December 31, 2004, 2005 and 2006<BR>
(In Thousands, Except Share Data)</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
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<TD WIDTH="23%" VALIGN=BOTTOM>
<P>&nbsp;</P>
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<P>&nbsp;</P>
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<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
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<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
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<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" ROWSPAN="4" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Additional<BR>
  Paid-In<BR>
  Capital</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" ROWSPAN="4" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Retained<BR>
  Earnings</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" ROWSPAN="4" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Accumulated<BR>
  Other<BR>
  Comprehensive<BR>
  (Loss)/Income</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" ROWSPAN="4" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Treasury<BR>
  Stock</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" ROWSPAN="4" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Employee<BR>
  Stock Plan<BR>
  -Unearned</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" ROWSPAN="4" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Total</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Common Stock</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Shares<BR>
  Outstanding</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amount<BR>
  Issued</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Balance at December 31,
  2003</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>28,330,312</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>28,747</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>130,066</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>218,628</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35,958</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>8,490</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>81</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>404,828
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>50,196
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Other comprehensive loss, net
of tax</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(1,758</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(1,758</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Dividends declared:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Common, $0.68
per share</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(20,529</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(20,529</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Common stock issued under
employee stock plan,  including tax benefits of $3,165</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>702,766</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>703</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>8,576</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(398</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>8,881
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Stock and options issued for
acquisition</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,592,213</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,592</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>52,127</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>54,719
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Treasury stock purchased</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(983,700</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(21,709</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(21,709</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Balance at December 31,
  2004</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>30,641,591</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>32,042</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>190,769</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>248,295</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>34,200</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>30,199</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>479</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>474,628
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>50,805
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Other comprehensive loss, net
of tax</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(25,780</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(25,780</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Dividends declared:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Common, $0.74
per share</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(22,291</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(22,291</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Common stock issued under
employee stock plan,  including tax benefits of $1,369</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>408,972</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>409</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5,543</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>156</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6,108</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Treasury stock purchased</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(1,093,711</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(25,875</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(25,875</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Balance at December 31,
  2005</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>29,956,852</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>32,451</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>196,312</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>276,809</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>8,420</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>56,074</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>323</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>457,595
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Other comprehensive loss, net
of tax</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(3,226</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(3,226</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Adjustment for initial adoption
of SFAS 158</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(9,891</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(9,891</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Dividends declared:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Common, $0.78
per share</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(23,315</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(23,315</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Common stock issued under
employee stock plan,  including tax benefits of $936</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>322,757</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>322</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5,024</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>161</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>7,530</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Stock-based compensation</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,023</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Treasury stock purchased</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(259,450</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(5,542</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(5,542</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Reclassification of unearned
restricted stock awards to additional
  paid-in capital in accordance with SFAS 123(R)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(162</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>162</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>Balance at December 31,
  2006</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>30,020,159</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>32,773</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>203,197</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>291,871</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>4,697</FONT></P>
</TD>
<TD VALIGN=BOTTOM nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>61,616</FONT></P>
</TD>
<TD VALIGN=BOTTOM nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)&nbsp;&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>461,528</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The accompanying notes are an integral part of the consolidated
financial statements.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>43</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>COMMUNITY BANK SYSTEM, INC. <BR>
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME<A NAME=A18></A><BR>
(In Thousands)</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="69%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Change in
minimum pension liability
  adjustment</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>($</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>118</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Change in
unrealized gains and losses on
  derivative instruments used in cash flow hedging relationships</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>750</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Unrealized
(losses) gains on securities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Unrealized
holding losses arising during
  period</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,928</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(29,887</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,031</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Reclassification adjustment for (gains)
  losses included in net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(12,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(72</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other
  comprehensive loss, before tax</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,296</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(42,082</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,103</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Income tax
  benefit related to other comprehensive loss</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,070</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,302</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,345 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other
  comprehensive loss, net of tax</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,226</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(25,780</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,758</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Comprehensive
  income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,151</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,025</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48,438 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
accompanying notes are an integral part of the consolidated financial
statements.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>44</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>COMMUNITY BANK SYSTEM, INC. <BR>
CONSOLIDATED STATEMENTS OF CASH FLOW<A NAME=A19></A>S<BR>
(In Thousands of Dollars, except Share Data)</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="66%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Years Ended December 31,</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Operating activities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Adjustments to
reconcile net income to net
  cash provided by operating activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Depreciation</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,613</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,616</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,025</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Amortization
of intangible assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,027</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,125</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,414</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net
amortization of premiums and discounts
  on securities and loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,094</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,066</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,392</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Amortization
of unearned compensation and
  discount on subordinated debt</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>160</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>288</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>439</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Provision for
loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,585</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,534</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Provision for
deferred taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(999</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(519</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,286</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>(Gain) loss on
investment securities and
  debt extinguishments</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,403</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(12,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(72</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Loss (gain) on
loans and other assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(116</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(15</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>211</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Proceeds from
the sale of loans held for
  sale</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,567</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,329</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Origination of
loans held for sale</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(31,446</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,320</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Excess tax
benefits from share-based
  payment arrangements</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(420</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Change in
other operating assets and
  liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,256</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,251</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,971</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:34.55PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net cash
provided by operating activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73,101</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>71,965</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>85,612</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Investing activities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Proceeds from
sales of available-for-sale
  investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>37,866</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>324,752</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,889</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Proceeds from
maturities of
  held-to-maturity investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,950</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,984</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,852</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Proceeds from
maturities of available-for-sale
  investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>121,949</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>116,835</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,222</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Purchases of
held-to-maturity investment
  securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(9,449</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(9,991</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,991</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Purchases of
available-for-sale investment
  securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(78,776</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(186,037</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(395,434</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net increase
in loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(39,347</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(61,060</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(26,268</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Cash received
(paid) for acquisition, net
  of cash (paid) acquired of $29,831, $0, ($7,023)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(26,989</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21,939</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Capital
expenditures</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(6,494</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(10,275</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(7,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:34.55PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net cash
provided by (utilized in)
  investing activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,710</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>179,208</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(227,168</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Financing activities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net change in
demand deposits, NOW
  accounts, and savings accounts</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(43,652</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(19,906</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,152</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net change in
time deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,203</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75,889</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(66,203</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net change in
federal funds purchased</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(36,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23,100</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(23,100</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net change in
short-term borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(35,100</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(313,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>87,328</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Change in
long-term borrowings (net of
  payments of $1,283, $290 and $177)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>171,037</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22,423</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>168,865</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Issuance of
common stock</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,571</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,507</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,344</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Purchase of
treasury stock</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,542</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(25,874</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(21,709</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Cash dividends
paid</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(23,021</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(22,112</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(19,543</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other
financing activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(96</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Tax benefits
from share-based payment
  arrangements</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>420</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:34.55PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net cash
(utilized in) provided by
  financing activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>39,616</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(254,973</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>156,038</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Change in
  cash and cash equivalents</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>117,427</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,800</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,482</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Cash and cash
equivalents at beginning of
  year</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>114,605</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>118,405</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>103,923</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>

<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Cash and cash
equivalents at
  end of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>232,032</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>114,605</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>118,405</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Supplemental disclosures of cash flow information:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash paid for
  interest</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>95,529</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73,899</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>59,644 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash paid
  for income taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,266</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15,452</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,422 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Supplemental disclosures of noncash financing and investing activities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Dividends
declared and unpaid</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,989</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,695</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,515 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Gross change
in unrealized gains on
  available-for-sale investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,928</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(42,082</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,103</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Acquisitions:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Fair value of
assets acquired, excluding
  acquired cash and intangibles</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>273,588</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>258,416 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Fair value of
liabilities assumed</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>273,884</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>268,611 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Common stock
  and options issued</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>54,719 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
accompanying notes are an integral part of the consolidated financial
statements.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>45</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>COMMUNITY BANK SYSTEM, INC. </B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE A: SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Nature
of Operations</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community Bank System, Inc.
(the &#147;Company&#148;) is a single bank holding company which wholly-owns five
consolidated subsidiaries: Community Bank, N.A. (the &#147;Bank&#148;), Benefit Plans
Administrative Services, Inc. (&#147;BPAS&#148;), CFSI Closeout Corp. (&#147;CFSICC&#148;), First
of Jermyn Realty Co. (&#147;FJRC&#148;) and Town &amp; Country Agency LLC (&#147;T&amp;C&#148;).
BPAS owns two subsidiaries, Benefit Plans Administrative Services LLC and Harbridge
Consulting Group LLC. BPAS provides administration, consulting and actuarial
services to sponsors of employee benefit plans. CFSICC and FJRC are inactive
companies. The Company also wholly-owns four unconsolidated subsidiary business
trusts formed for the purpose of issuing mandatorily redeemable preferred
securities which are considered Tier I capital under regulatory capital
adequacy guidelines (see Note H).</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Bank
operates 128 customer facilities throughout 23 counties of Upstate New York and
five counties of Northeastern Pennsylvania offering a range of commercial and
retail banking services. The Bank owns the following subsidiaries: Community
Investment Services, Inc. (&#147;CISI&#148;), CBNA Treasury Management Corporation
(&#147;TMC&#148;), CBNA Preferred Funding Corporation (&#147;PFC&#148;), Nottingham Advisors, Inc.
(&#147;Nottingham&#148;), First Liberty Service Corp. (&#147;FLSC&#148;) and Brilie Corporation
(&#147;Brilie&#148;). CISI provides broker-dealer and investment advisory services. TMC
provides cash management, investment, and treasury services to the Bank. PFC
primarily is an investor in residential real estate loans. Nottingham provides
asset management services to individuals, corporate pension and profit sharing
plans, and foundations. FLSC provides banking-related services to the
Pennsylvania branches of the Bank. Brilie invests in a partnership that
develops land for resale as residential housing.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Principles
of Consolidation</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The consolidated financial
statements include the accounts of the Company and its wholly-owned
subsidiaries. All inter-company accounts and transactions have been eliminated
in consolidation. Certain prior period amounts have been reclassified to
conform to the current period presentation.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Financial
Accounting Standards Board Interpretation 46 Revised (&#147;FIN 46R&#148;), <I>Consolidation of Variable Interest Entities</I>
(VIE) provides guidance on when a company should include in its financial
statements the assets, liabilities, and activities of another corporation,
partnership, trust or any other legal structure used for business purposes that
either does not have equity investors with voting rights or has equity
investors that do not provide sufficient financial resources for the entity to
support its activities. FIN 46R requires a VIE to be consolidated by a company
if that company is subject to a majority of the risk of loss or receives a
majority of the entity&#146;s residual returns or both. The Company&#146;s wholly owned
subsidiaries Community Capital Trusts I through IV are VIEs for which the
Company is not the primary beneficiary. Accordingly, the accounts of theses
entities are not included in the Company&#146;s consolidated financial statements. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Critical
Accounting Estimates in the Preparation of Financial Statements</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The preparation of financial
statements in conformity with accounting principles generally accepted in the
United States of America requires management to make estimates and assumptions
that affect the reported amounts of assets and liabilities and disclosure of
contingent assets and liabilities at the date of the financial statements and
the reported amounts of revenues and expenses during the reporting period.
Actual results could differ from those estimates. Critical accounting estimates
include the allowance for loan losses, actuarial assumptions associated with
the pension, post-retirement and other employee benefit plans, the provision
for income taxes, and the carrying value of goodwill and other intangible
assets.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Risk
and Uncertainties</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In the normal course of its
business, the Company encounters economic and regulatory risks. There are three
main components of economic risk: interest rate risk, credit risk and market
risk. The Company is subject to interest rate risk to the degree that its
interest-bearing liabilities mature or reprice at different speeds, or on
different basis, from its interest-earning assets. The Company&#146;s primary credit
risk is the risk of default on the Company&#146;s loan portfolio that results from
the borrowers&#146; inability or unwillingness to make contractually required
payments. Market risk reflects potential changes in the value of collateral
underlying loans, the fair value of investment securities, and loans held for
sale.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company is
subject to regulations of various governmental agencies. These regulations can
and do change significantly from period to period. The Company also undergoes
periodic examinations by the regulatory agencies which may subject it to
further changes with respect to asset valuations, amounts of required loan loss
allowances, and operating restrictions resulting from the regulators&#146; judgments
based on information available to them at the time of their examinations. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>46</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Revenue
Recognition</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company recognizes income
on an accrual basis. CISI recognizes fee income when investment and insurance
products are sold to customers. Nottingham provides asset management services
to brokerage firms and clients and recognizes income ratably over the contract
period during which service is performed. Revenue from BPA&#146;s administration and
recordkeeping services is recognized ratably over the service contract period.
Revenue from consulting and actuarial services is recognized when services are
rendered. All inter-company revenue and expense among related entities are
eliminated in consolidation.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Cash
and Cash Equivalents</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>For purposes of reporting cash
flows, cash and cash equivalents include cash on hand, amounts due from banks
and highly liquid investments with original maturities of less than ninety
days. The carrying amounts reported in the balance sheet for cash and cash
equivalents approximate those assets&#146; fair values.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Investment
Securities</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company has classified its
investments in debt and equity securities as held-to-maturity or
available-for-sale. Held-to-maturity securities are those for which the Company
has the positive intent and ability to hold to maturity, and are reported at
cost, which is adjusted for amortization of premiums and accretion of
discounts. Securities not classified as held-to-maturity are classified as
available-for-sale and are reported at fair market value with net unrealized
gains and losses reflected as a separate component of shareholders&#146; equity, net
of applicable income taxes. None of the Company&#146;s investment securities has
been classified as trading securities. Equity securities are stated at cost and
include restricted stock of the Federal Reserve Bank of New York and Federal
Home Loan Bank of New York. Investment securities are reviewed regularly for
other than temporary impairment. Where there is other than temporary
impairment, the carrying value of the investment security is reduced to the
estimated fair value, with the impairment loss recognized in the consolidated
statements of income as other expense.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The specific
identification method is used in determining the realized gains and losses on
sales of investment securities. Premiums and discounts on securities are
amortized and accreted, respectively, on a systematic basis over the period to
maturity, estimated life, or earliest call date of the related security.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Fair values
for investment securities are based on quoted market prices, where available.
If quoted market prices are not available, fair values are based on quoted
market prices of comparable instruments.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Derivative
Financial Instruments </I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company utilizes
interest rate swap agreements, considered to be cash flow hedges, as part of
the management of interest rate risk to modify the repricing characteristics of
certain portions of its portfolios of interest-bearing liabilities. Under the
guidelines of SFAS No. 133, <I>Accounting for
Derivative Instruments and Hedging Activities</I>, (&#147;SFAS 133&#148;), as
amended, all derivative instruments are required to be carried at fair value on
the balance sheet. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash flow
hedges are accounted for by recording the fair value of the derivative
instrument on the balance sheet as either a freestanding asset or liability,
with a corresponding offset recorded in other comprehensive income within
stockholders&#146; equity, net of tax. Amounts are reclassified from other
comprehensive income to the income statement in the period or periods the
hedged forecasted transaction affects earnings. Derivative gains and losses not
effective in hedging the expected cash flows of the hedged item are recognized
immediately in the income statement. At the hedge&#146;s inception and at least quarterly
thereafter, a formal assessment is performed to determine the effectiveness of
the cash flow hedge. If it is determined that a derivative instrument has not
been or will not continue to be highly effective as a hedge, hedge accounting
is discontinued.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Loans</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Loans are stated at unpaid
principal balances, net of unearned income. Mortgage loans held for sale are
carried at the lower of cost or fair value and are included in loans as the
balance of such loans was not significant. Fair values for variable rate loans
that reprice frequently are based on carrying values. Fair values for fixed
rate loans are estimated using discounted cash flows and interest rates
currently being offered for loans with similar terms to borrowers of similar
credit quality. The carrying amount of accrued interest approximates its fair
value.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Interest on
loans is accrued and credited to operations based upon the principal amount
outstanding. Unearned discount on installment loans is recognized as income
over the term of the loan, principally by the interest method. Nonrefundable
loan fees and related direct costs are included in the loan balances and are
deferred and amortized over the life of the loan as an adjustment to loan yield
using the effective interest method. Premiums and discounts on purchased loans
are amortized on an accelerated method over the life of the loans.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>47</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Impaired
and Other Nonaccrual Loans </I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company places a loan on
nonaccrual status when the loan becomes ninety days past due (or sooner, if
management concludes collection is doubtful), except when, in the opinion of
management, it is well-collateralized and in the process of collection. A loan
may be placed on nonaccrual status earlier than ninety days past due if there
is deterioration in the financial position of the borrower or if other
conditions of the loan so warrant. When a loan is placed on nonaccrual status,
uncollected accrued interest is reversed against interest income and the
deferral and amortization of nonrefundable loan fees and related direct costs
is discontinued. Interest income during the period the loan is on nonaccrual
status is recorded on a cash basis after recovery of principal is reasonably
assured. Nonaccrual loans are returned to accrual status when management
determines that the borrower&#146;s performance has improved and that both principal
and interest are collectible. This generally requires a sustained period of
timely principal and interest payments.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Commercial
loans greater than $500,000 are evaluated individually for impairment in
accordance with FASB No. 114, &#147;Accounting by Creditors for Impairment of a
Loan.&#148; A loan is considered impaired, based on current information and events,
if it is probable that the Company will be unable to collect the scheduled
payments of principal or interest when due according to the contractual terms
of the loan agreement. The measurement of impaired loans is generally based
upon the present value of expected future cash flows or the fair value of the
collateral, if the loan is collateral-dependent. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
charge-off policy by loan type is as follows:</FONT></p>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Commercial
  loans are generally charged-off to the extent outstanding principal exceeds
  the fair value of estimated proceeds from collection efforts, including
  liquidation of collateral. The charge-off is recognized when the loss becomes
  reasonably quantifiable.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consumer
  installment loans are generally charged-off to the extent outstanding
  principal balance exceeds the fair value of collateral, and are recognized by
  the end of the month in which the loan becomes 120 days past due.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#149;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Loans
  secured by 1-4 family residential real estate are generally charged-off to
  the extent outstanding principal exceeds the fair value of the property, and
  are recognized when the loan becomes 180 days past due. </FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Allowance
for Loan Losses</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Management continually
evaluates the credit quality of the Company&#146;s loan portfolio, and performs a
formal review of the adequacy of the allowance for loan losses on a quarterly
basis. The allowance reflects management&#146;s best estimate of probable losses
inherent in the loan portfolio. Determination of the allowance is subjective in
nature and requires significant estimates. The Company&#146;s allowance methodology
consists of two broad components, general and specific loan loss allocations.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The general
loan loss allocation is composed of two calculations that are computed on four
main loan segments: commercial, consumer direct, consumer indirect and
residential real estate. The first calculation determines an allowance level
based on the latest three years of historical net charge-off data for each loan
category (commercial loans exclude balances with specific loan loss
allocations). The second calculation is qualitative and takes into
consideration five major factors affecting the level of loan loss risk:
portfolio risk migration patterns (internal credit quality trends); the growth
of the segments of the loan portfolio; economic and business environment trends
in the Company&#146;s markets (includes review of bankruptcy, unemployment,
population, consumer spending and regulatory trends); industry, geographical
and product concentrations in the portfolio; and the perceived effectiveness of
managerial resources and lending practices and policies. These two calculations
are added together to determine the general loan loss allocation. The specific
loan loss allocation relates to individual commercial loans that are both
greater than $0.5 million and in a nonaccruing status with respect to interest.
Specific losses are based on discounted estimated cash flows, including any
cash flows resulting from the conversion of collateral. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Loan losses
are charged off against the allowance, while recoveries of amounts previously
charged off are credited to the allowance. A provision for loan loss is charged
to operations based on management&#146;s periodic evaluation of factors previously
mentioned.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Intangible
Assets</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Intangible assets include core
deposit intangibles, customer relationship intangibles and goodwill arising
from acquisitions. Core deposit intangibles and customer relationship
intangibles are amortized on either an accelerated or straight-line basis over
periods ranging from 7 to 20 years. Goodwill is evaluated at least annually for
impairment. The carrying value of goodwill and other intangible assets is based
upon discounted cash flow modeling techniques that require management to make
estimates regarding the amount and timing of expected future cash flows. It
also requires use of a discount rate that reflects the current return requirements
of the market in relation to present risk-free interest rates, required equity
market premiums, and company-specific risk indicators.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>48</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Premises
and Equipment</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Premises and equipment are
stated at cost less accumulated depreciation. Computer software costs that are
capitalized only include external direct costs of obtaining and installing the
software. Depreciation is calculated using the straight-line method over the
estimated useful lives of the assets. Useful lives range from five to ten years
for equipment; three to five years for software and hardware; and 10 to 40
years for building and building improvements. Land improvements are depreciated
over 15 years and leasehold improvements are amortized over the term of the
respective lease plus any optional renewal periods that are reasonably assured
or life of the asset if shorter. Maintenance and repairs are charged to expense
as incurred. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Long-lived
depreciable assets are evaluated periodically for impairment when events or
changes in circumstances indicate the carrying amount may not be recoverable.
Impairment exists when the expected undiscounted future cash flows of a
long-lived asset are less than its carrying value. In that event, the Company
recognizes a loss for the difference between the carrying amount and the
estimated fair value of the asset based on a quoted market price, if
applicable, or a discounted cash flow analysis. Impairment losses are recorded
in other expenses on the income statement.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Other
Real Estate</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Properties acquired through
foreclosure, or by deed in lieu of foreclosure, are carried at the lower of the
unpaid loan balance or fair value less estimated costs of disposal. Subsequent
changes in value are reported as adjustments to the carrying amount, not to
exceed the initial carrying value of the asset at the time of transfer. Changes
in value subsequent to transfer are recorded in operating expenses on the
income statement. Gains or losses not previously recognized resulting from the
sale of other real estate are recognized as an expense on the date of sale. At
December 31, 2006 and 2005, other real estate, included in other assets,
amounted to $1,838,000 and $1,048,000, respectively. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Mortgage
Servicing Rights</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Originated mortgage servicing
rights are recorded at their allocated fair value at the time of sale of the
underlying loan, and are amortized in proportion to and over the period of
estimated net servicing income or loss. The Company uses a valuation model that
calculates the present value of future cash flows to determine the fair value
of servicing rights. In using this valuation method, the Company incorporates
assumptions that market participants would use in estimating future net
servicing income, which includes estimates of the servicing cost per loan, the
discount rate, and prepayment speeds. The carrying value of the originated
mortgage servicing rights is evaluated quarterly for impairment using these
same market assumptions. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Deposits</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The fair value of deposit
obligations are based on current market rates for alternative funding sources,
principally the Federal Home Loan Bank of New York. The carrying value of
accrued interest approximates fair value.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Borrowings</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The carrying amounts of federal
funds purchased and short-term borrowings approximate their fair values. Fair
values for long-term borrowings are estimated using discounted cash flows and
interest rates currently being offered on similar borrowings. Since the Company
considers debt extinguishments to be a component of its interest rate risk
management, any related gains or losses are not deemed extraordinary and are
presented in the noninterest income section of the consolidated statements of
income.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Treasury
Stock</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On December 15, 2004, the Board
of Directors approved a twelve-month authorization to repurchase up to 500,000
of its outstanding shares in open market or privately negotiated transactions.
All shares were repurchased as of February 23, 2005 at a cost of $11.9 million,
or an average of $23.83 per share. On April 20, 2005 the Board of Directors authorized
a twenty-month program to repurchase up to 1,500,000 shares of its outstanding
shares. On December 20, 2006 the Company extended the program through December
31, 2008. As of December 31, 2006, the Company has repurchased 853,161 shares
at an aggregate cost of $19.5 million, or $22.86 per share. The repurchases
were for general corporate purposes, including those related to stock plan
activities. On December 20, 2006 the Company announced an additional two-year
authorization to repurchase up to 900,000 of its outstanding shares in open
market or privately negotiated transactions. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Income
Taxes</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Provisions for
income taxes are based on taxes currently payable or refundable as well as
deferred taxes that are based on temporary differences between the tax basis of
assets and liabilities and their reported amounts in the financial statements.
Deferred tax assets and liabilities are reported in the financial statements at
currently enacted income tax rates applicable to the period in which the
deferred tax assets and liabilities are expected to be realized or settled.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>49</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Retirement
Benefits</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
provides defined benefit pension benefits and post-retirement health and life
insurance benefits to eligible employees. The Company also provides deferred compensation
and supplemental executive retirement plans for selected current and former
employees and officers. Expense under these plans is charged to current
operations and consists of several components of net periodic benefit cost
based on various actuarial assumptions regarding future experience under the
plans, including discount rate, rate of future compensation increases and
expected return on plan assets. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As of December
31, 2006, the Company adopted Statement of Financial Accounting Standards No. 158,
<I>Employers&#146; Accounting for Defined Benefit
Pension and Other Postretirement Plans, an amendment of FASB Statements No. 87,
88, 106, and 132(R)</I> (&#147;SFAS 158&#148;). In accordance with SFAS 158, the
Company recorded the funded status of each of its defined benefit pension and
postretirement plans as an asset or liability on its Consolidated Statement of
Condition with a corresponding offset, net of taxes, recorded in Accumulated
other comprehensive income within Shareholders Equity, resulting in an
after-tax decrease in equity of $9.9 million (see Note K). </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
table summarizes the effects of adopting SFAS 158 on individual line items in
the Consolidated Statement of Condition at December 31, 2006:</FONT></P>

<TABLE ALIGN=Left  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">
<TR style="font-size:1px" >
<TD WIDTH="46%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="13%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="13%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>&nbsp;&nbsp;&nbsp;(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Before
  application <BR>
  of SFAS 158</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Adjustments</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>After
  application<BR>
  of SFAS 158</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="9" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Assets:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,062</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(11,945</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,117</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,509,742</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(11,945</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,497,797</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Liabilities:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Accrued interest
  and other liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>64,529</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,054</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>62,475</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,038,323</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,054</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,036,269</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Shareholders&#146; Equity:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Accumulated other
  comprehensive loss</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,194</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(9,891</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(4,697</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total shareholders&#146; equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>471,419</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(9,891</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>461,528</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>


<BR clear=all><BR>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Assets
Under Management or Administration </I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Assets held in
fiduciary or agency capacities for customers are not included in the
accompanying consolidated statements of condition as they are not assets of the
Company. Substantially all fees associated with providing asset management
services are recorded on an accrual basis of accounting and are included in
noninterest income. Assets under management or administration at December 31,
2006 and 2005 were $3,154,000,000 and $2,506,000,000, respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Advertising</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Advertising costs amounting to approximately
$2,093,000, $2,106,000 and $1,553,000 for the years ending December 31, 2006,
2005 and 2004, respectively, are nondirect response in nature and expensed as
incurred.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Earnings
Per Share</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Basic earnings
per share are computed based on the weighted-average common shares outstanding
for the period. Diluted earnings per share are based on the weighted-average
shares outstanding adjusted for the dilutive effect of the assumed exercise of
stock options during the year. The dilutive effect of options is calculated
using the treasury stock method of accounting. The treasury stock method
determines the number of common shares that would be outstanding if all the
dilutive options (average market price is greater than the exercise price) were
exercised and the proceeds were used to repurchase common shares in the open
market at the average market price for the applicable time period. </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>50</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Stock-Based
Compensation</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On January 1,
2006, the Company adopted Statement of Financial Accounting Standards No.
123(R), <I>Share-Based Payment</I>
(&#147;SFAS 123(R)&#148;), which replaced the existing SFAS 123 and APB 25, <I>Accounting for Stock Issued to Employees</I>,
(&#147;APB25&#148;). SFAS 123(R) requires companies to measure and record compensation
expense for stock options and other share-based payments based on the
instruments&#146; fair value on the date of grant. The Company adopted this standard
using the modified prospective method. Under this method, expense is recognized
for awards that are granted, modified, or settled after December 31, 2005, as
well as for unvested awards that were granted prior to January 1, 2006. Stock
based compensation expense is recognized ratably over the requisite service
period for all awards. The Company recognized incremental compensation expense
of $1.8 million during the year (see Note L).</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>Fair
Values of Financial Instruments</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
determines fair values based on quoted market values where available or on
estimates using present values or other valuation techniques. Those techniques
are significantly affected by the assumptions used, including the discount rate
and estimates of future cash flows. In that regard, the derived fair value
estimates cannot be substantiated by comparison to independent markets and, in
many cases, could not be realized in immediate settlement of the instrument.
SFAS 107, <I>Disclosures about Fair Value of
Financial Instruments</I>, excludes certain financial instruments and
all nonfinancial instruments from its disclosure requirements. Accordingly, the
aggregate fair value amounts presented do not represent the underlying value of
the Company. The fair values of investment securities, loans, deposits, and
borrowings have been disclosed in footnotes C, D, G, and H, respectively.             </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I>New
Accounting Pronouncements</I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In March 2006,
the FASB issued SFAS No. 156, <I>Accounting for
Servicing of Financial Assets, an amendment of FASB Statement No. 140</I>
(&#147;SFAS 156&#148;). SFAS 156 requires all separately recognized servicing assets and
servicing liabilities to be initially measured at fair value, if practicable.
The standard permits an entity to subsequently measure each class of servicing
assets or servicing liabilities at fair value and report changes in fair value
in the statement of income in the period in which the changes occur. SFAS 156
is effective for the Company as of January 1, 2007. The Company does not
believe that the adoption of SFAS 156 will materially impact our consolidated
financial statements.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In July 2006,
the FASB issued FASB Interpretation No.&nbsp;48, <I>Accounting for Uncertainty in Income Taxes, an interpretation of FASB
Statement No.&nbsp;109</I> (&#147;FIN 48&#148;). FIN 48 clarifies the accounting
for uncertainty in income taxes recognized in a company&#146;s financial statements
and prescribes a recognition threshold and measurement attribute for the
financial statement recognition and measurement of a tax position taken or
expected to be taken in an income tax return. FIN 48 also provides guidance on
derecognition, classification, interest and penalties, accounting in interim
periods, disclosure and transition. FIN 48 is effective for the Company as of
January&nbsp;1, 2007. The Company does not believe that the adoption of FIN 48
will materially impact our consolidated financial statements.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In September
2006, the FASB issued SFAS No. 157, <I>Fair
Value Measurements</I> (&#147;SFAS 157&#148;). SFAS 157 does not address &#147;what&#148; to
measure at fair value; instead, it addresses &#147;how&#148; to measure fair value. SFAS
157 applies (with limited exceptions) to existing standards that require assets
or liabilities to be measured at fair value. SFAS 157 establishes a fair value
hierarchy, giving the highest priority to quoted prices in active markets and
the lowest priority to unobservable data and requires new disclosures for
assets and liabilities measured at fair value based on their level in the
hierarchy. SFAS 157 is effective for financial statements issued for fiscal
years beginning after November 15, 2007. The Company is currently evaluating
the impact of adopting SFAS 157. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE B: ACQUISITIONS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Hand Benefits &amp; Trust, Inc.</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On February 22, 2007, the
Company announced an agreement pursuant to which BPAS will acquire Hand
Benefits &amp; Trust, Inc. (HBT) in an all cash transaction. HBT is a Houston,
Texas based provider of employee benefit plan administration and trust
services. The acquisition is expected to close during the second quarter of
2007, pending customary regulatory approval.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>51</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>TLNB Financial Corporation</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On January 9, 2007, the Company
announced an agreement to acquire TLNB Financial Corporation, parent company of
Tupper Lake National Bank (TLNB), in an all-cash transaction valued at
approximately $17.6 million. Based in Tupper Lake, N.Y., TLNB operates five
branches in the northeastern New York State cities of Tupper Lake, Plattsburgh
and Saranac Lake, as well as an insurance subsidiary, TLNB Insurance Agency,
Inc. On a consolidated basis, TLNB has approximately $100 million in assets and
$87 million of deposits. The acquisition is expected to close during the second
quarter of 2007, pending both customary regulatory and TLNB shareholder
approval.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>ONB Corporation</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On December 1, 2006, the
Company acquired ONB Corporation (&#147;ONB&#148;) in an all-cash transaction valued at
approximately $16 million. ONB is the parent company of Ontario National Bank,
a federally chartered national bank operating four branches in the villages of
Clifton Springs, Phelps and Palmyra, New York. The results of ONB&#146;s operations
have been included in the consolidated financial statements since that date.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>ES&amp;L Bancorp</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On August 11, 2006, the Company
acquired ES&amp;L Bancorp (&#147;Elmira&#148;), the parent company of Elmira Savings and
Loan, F.A., a federally chartered thrift in an all-cash transaction valued at
approximately $40 million. Elmira operated two branches in the cities of Elmira
and Ithaca, New York. The results of Elmira&#146;s operations have been included in
the consolidated financial statements since that date.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Dansville Branch Acquisition</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On December 3, 2004, the
Company completed the purchase of a branch office in Dansville, N.Y. from HSBC
Bank USA, N.A. with deposits of $32.6 million. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>First Heritage Bank</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On May 14, 2004, the Company
acquired First Heritage Bank (&#147;Heritage&#148;), a closely held bank headquartered in
Wilkes-Barre, PA with three branches in Luzerne County, Pennsylvania. First
Heritage&#146;s three branches operate as part of First Liberty Bank &amp; Trust, a
division of Community Bank, N.A. Consideration included 2,592,213 shares of
common stock with a fair value of $52 million, employee stock options with a
fair value of $3.0 million, and $7.0 million of cash (including capitalized
acquisition costs of $1.0 million). </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>2006 Acquisition Summary</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The purchase
price allocation of the assets acquired and liabilities assumed, including
capitalized acquisition costs, for all 2006 acquisitions is as follows: </FONT></P>

<TABLE ALIGN=Left  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="50%">
<TR style="font-size:1px" >
<TD WIDTH="69%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="20%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash and due
  from banks</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,831</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Investment
  securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,734</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Loans, net
  of allowance for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>253,281</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Premises and
  equipment, net</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,148</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,425</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Core
  deposits intangibles</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,190</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Goodwill</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,095</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total assets acquired</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>330,704</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>221,241</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>52,576</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other
  liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>67</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total liabilities
assumed</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>273,884</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net assets acquired</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>56,820</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<BR clear=all><BR>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>52</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE C: INVESTMENT SECURITIES</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The amortized cost and estimated
fair value of investment securities as of December 31 are as follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="24%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="11" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="11" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amortized
  Cost</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross
  Unrealized Gains</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross
  Unrealized  Losses</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Estimated
  Fair <BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amortized
  Cost</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross
  Unrealized Gains</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross
  Unrealized  Losses</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Estimated
  Fair <BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1><I>Held-to-Maturity
  Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>U.S. treasury and agency
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>127,200</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,180</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>124,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>127,345</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>38</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,057</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>124,326</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Obligations of state and
political subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>7,242</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>26</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>11</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>7,257</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5,709</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>44</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>18</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5,735</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Other securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>11,417</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>11,417</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>9,451</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>9,451</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Total held-to-maturity
portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>145,859</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>26</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,191</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>142,694</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>142,505</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>82</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,075</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>139,512</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>



<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="11" VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="11" VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>


<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1><I>Available-for-Sale
  Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>U.S. treasury and agency
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>372,706</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>680</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,599</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>370,787</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>420,062</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,907</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,161</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>420,808</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Obligations of state and
political subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>502,677</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>12,475</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>504</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>514,647</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>519,661</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>14,825</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,778</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>532,708</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Corporate debt
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35,603</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>447</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>971</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35,080</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35,744</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>515</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>700</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>35,559</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Collateralized mortgage
obligations</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>43,768</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>64</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>725</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>43,107</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>78,710</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>333</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>575</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>78,468</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Mortgage-backed
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>76,266</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>374</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,459</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>75,181</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>53,019</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>906</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>562</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>53,363</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>
Subtotal</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,031,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>14,040</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6,258</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,038,802</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,107,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>19,486</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5,776</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,120,906</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Equity securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>44,610</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>44,610</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>39,706</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>39,706</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Total available-for-sale
portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,075,630</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>14,040</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>6,258</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,083,412</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,146,902</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>19,486</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>5,776</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,160,612</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>Net unrealized
gain on available-for-sale portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>7,782</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>13,710</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>
Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,229,271</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,226,106</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,303,117</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>1,300,124</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>A summary of investment securities that have been in a
continuous unrealized loss position for less than or greater than twelve months
is as follows:</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><U>As of December 31, 2006</U></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="28%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Less than
  12 Months</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>12 Months
  or Longer</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Total</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair <BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross
  Unrealized  Losses</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair <BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross
  Unrealized  Losses</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair <BR>
  Value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross
  Unrealized Losses</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>

</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><I>Held-to-Maturity Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1> U.S. treasury
and agency
  securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>21,933</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(267</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>102,087</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(2,913</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>124,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(3,180</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1> Obligations
of state and
  political subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,776</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(10</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>207</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(1</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,983</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(11</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1> Total
held-to-maturity
  portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>25,709</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(277</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>102,294</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(2,914</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>128,003</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(3,191</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><I>Available-for-Sale Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1> U.S. treasury
and agency
  securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>28,918</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(106</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>170,691</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(2,493</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>199,609</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(2,599</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1> Obligations
of state and
  political subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>3,739</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(14</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>52,980</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(490</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>56,719</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(504</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1> Corporate
debt securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>2,970</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(35</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>23,649</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(936</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>26,619</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(971</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>
Collateralized mortgage
  obligations</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>234</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>33,350</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(725</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>33,584</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(725</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1>
Mortgage-backed securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>40,659</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(676</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>13,867</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(783</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>54,526</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(1,459</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=1> Total
available-for-sale
  portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>76,520</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(831</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>294,537</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(5,427</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>371,057</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>(6,258</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>53</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P STYLE='MARGIN-RIGHT:0IN; MARGIN-LEFT:0IN'><FONT Face="Times New Roman, Times, Serif" SIZE=2><U>As of December 31,
2005</U></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="30%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Less than 12 Months</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>12 Months or Longer</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Total</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Value</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Unrealized </B></FONT><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Losses</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Value</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Unrealized </B></FONT><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Losses</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Value</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Unrealized </B></FONT><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Losses</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Held-to-Maturity Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>U.S. treasury
and agency securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,821</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($179</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>87,122</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($2,878</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>101,943</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($3,057</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Obligations of
state and political
  subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,697</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(18</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,697</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(18</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
held-to-maturity portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18,518</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($197</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>87,122</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($2,878</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>105,640</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($3,075</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Available-for-Sale Portfolio:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>U.S. treasury
and agency securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>139,665</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($1,590</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22,176</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($571</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>161,841</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($2,161</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Obligations of
state and political
  subdivisions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>86,568</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,592</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,453</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(186</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>94,021</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,778</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Corporate debt
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23,902</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(700</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23,902</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(700</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Collateralized
mortgage obligations</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>33,372</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(346</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,853</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(229</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41,225</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(575</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Mortgage-backed securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,874</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(495</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,730</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(67</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,604</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(562</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
available-for-sale portfolio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>296,381</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($4,723</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>39,212</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($1,053</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>335,593</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($5,776</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Management
does not believe any individual unrealized loss as of December 31, 2006 or 2005
represents an other than temporary impairment. The unrealized losses reported
for the agency and mortgage-backed securities relate primarily to securities
issued by FHLB, FNMA and FHLMC and are currently rated AAA by Moody&#146;s Investor
Services and Standards &amp; Poor. The unrealized losses in the portfolios are
primarily attributable to changes in interest rates. The Company has both the
intent and ability to hold these securities for the time necessary to recover
the amortized cost. </FONT></P>

<P STYLE='MARGIN-RIGHT:0IN; MARGIN-LEFT:0IN'><FONT Face="Times New Roman, Times, Serif" SIZE=2>The amortized cost and
estimated fair value of debt securities at December 31, 2006, by contractual
maturity, are shown below. Expected maturities will differ from contractual
maturities because borrowers may have the right to call or prepay obligations
with or without call or prepayment penalties.</FONT></P>

<TABLE ALIGN=left  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="85%">
<TR style="font-size:1px">
<TD WIDTH="49%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Held-to-Maturity</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Available-for-Sale</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Carrying </B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Value</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Value</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Carrying </B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Value</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Fair</B><FONT Face="Times New Roman, Times, Serif" SIZE=1><B><BR>
  </B></FONT><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Value</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Due in one
  year or less</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,464</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,458</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15,022</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,969</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Due after
  one through five years</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,747</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,768</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>237,125</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>237,240</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Due after
  five years through ten years</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>112,327</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>109,875</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>439,416</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>442,988</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Due after
  ten years</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,321</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,593</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>219,423</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>225,317</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Subtotal</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>145,859</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>142,694</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>910,986</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>920,514</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Collateralized
  mortgage obligations</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43,768</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>43,107</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mortgage-backed
  securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>76,266</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75,181</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>145,859</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>142,694</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,031,020</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,038,802</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<br clear=all>
<br>
<P STYLE='MARGIN-RIGHT:0IN; MARGIN-LEFT:0IN'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash flow information on
investment securities for the years ended December 31 is as follows:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">
<TR style="font-size:1px">
<TD WIDTH="65%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Proceeds
  from the sales of investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>324,752</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,889 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Gross gains
  on sales of investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,205</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>187 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Gross losses
  on sales of investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>115 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P style="margin-left:8.65pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Proceeds
  from the sales of mortgage-backed securities and CMO&#146;s</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,679 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Proceeds
  from the maturities of mortgage-backed securities and CMO&#146;s</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,588</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,140</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,652 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Purchases of
  mortgage-backed securities and CMO&#146;s</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,712</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,142</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,915 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>
<br clear=all>
<br>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Investment
securities with a carrying value of $670,506,000 and $622,861,000 at December
31, 2006 and 2005, respectively, were pledged to collateralize certain deposits
and borrowings.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>54</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE D: LOANS</B></FONT></P>

<P STYLE='MARGIN-RIGHT:0IN; MARGIN-LEFT:0IN'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Major classifications of loans
at December 31 are summarized as follows:</FONT></P>

<TABLE ALIGN=left  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="70%">
<TR style="font-size:1px">
<TD WIDTH="60%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="14%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consumer
  mortgage</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>912,505</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>815,463</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Business
  lending</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>960,034</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>819,605</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consumer
  direct and indirect</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>829,033</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>776,729</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Gross
loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,701,572</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,411,797</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unearned
  discount</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net
loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,701,558</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,411,769</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Allowance
  for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,313</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Loans, net
  of allowance for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,665,245</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,379,188</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<br clear=all>
<br>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The estimated
fair value of loans at December 31, 2006 and 2005 was $2.7 billion and $2.4
billion, respectively. Nonaccrual loans of $11,382,000 and $12,232,000 and
accruing loans ninety days past due of $1,207,000 and $1,075,000 at December
31, 2006 and 2005, respectively, are included in net loans. </FONT></P>

<P STYLE='MARGIN-RIGHT:0IN; MARGIN-LEFT:0IN'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Changes in loans to directors
and officers and other related parties for the years ended December 31 are
summarized as follows:</FONT></P>

<TABLE ALIGN=left BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="59%">
<TR style="font-size:1px">
<TD WIDTH="63%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="15%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Balance at
  beginning of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28,369</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23,153 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,033</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,807 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Payments</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,490</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,591</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Balance at
  end of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>34,912</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28,369 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<br clear=all>
<br>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
sells consumer mortgage loans in the secondary market and typically retains the
right to service the loans sold. Upon sale, a mortgage servicing right (MSR) is
established, which represents the then current fair value of future net cash
flows expected to be realized for performing the servicing activities. The Company stratifies these assets based on
predominant risk characteristics, namely expected term of the underlying
financial instruments, and uses a valuation model that calculates the present
value of future cash flows to determine the fair value of servicing rights. MSRs
are carried at the lower of the initial capitalized amount, net of accumulated
amortization or fair value. Mortgage loans serviced for others are not included
in the accompanying consolidated statements of condition. The following table
summarizes the changes in carrying value of MSRs and the associated valuation
allowance:</FONT></P>

<TABLE ALIGN=left  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="85%">
<TR style="font-size:1px">
<TD WIDTH="74%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Balance at
  beginning of period</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>506</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>458</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Additions</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>124</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Amortization</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(377</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(216</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Obtained via
  acquisition</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,312</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Carrying
  value before valuation allowance at end of period</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,565</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>244</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Valuation
  allowance balance at beginning of period</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(73</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(335</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Impairment
  charges</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(121</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Impairment
  recoveries</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>383</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Valuation
  allowance balance at end of period</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(73</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net carrying
  value at end of period</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,638</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>506</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Fair value
  of MSRs at end of period</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,640</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>506</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unpaid
  principal balance of loans serviced by others</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>333,521</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>95,437</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<br clear=all>
<br>
<P STYLE='MARGIN-RIGHT:0IN; MARGIN-LEFT:0IN'><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following table summarizes
the key economic assumptions used to estimate the value of the MSRs at December
31:</FONT></P>

<TABLE ALIGN=left BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">
<TR style="font-size:1px">
<TD WIDTH="76%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Weighted-average
  life (in years)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>20.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19.3</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Weighted-average
  constant prepayment rate (CPR)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Weighted-average
  discount rate</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.23</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE>

<br clear=all>
<br>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>55</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following
table summarizes the key economic assumptions used to estimate the fair value
of MSRs capitalized during the year:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="525">
<TR style="font-size:1px">
<TD WIDTH="68%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P align=center><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P align=center><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Weighted-average life (in years)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28.48</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Weighted-average constant prepayment rate
  (CPR)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12.53</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Weighted-average discount rate</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.39</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Custodial
escrow balances maintained in connection with the foregoing loan servicing, and
included in demand deposits, were approximately $5,968,000 and $778,000 at
December 31, 2006 and 2005, respectively. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Changes in the
allowance for loan losses for the years ended December 31 are summarized as
follows:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="500">
<TR style="font-size:1px">
<TD WIDTH="56%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P align=center><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P align=center><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P align=center><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Balance at
  beginning of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,778</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,095 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Provision
  for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,585</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,534</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,750 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Reserve on
  acquired loans</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,218</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,357 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Charge offs</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(10,033</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(11,232</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(11,780</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Recoveries</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,962</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,501</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,356 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Balance at
  end of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,313</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,581</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,778 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As of December
31, 2006 and 2005, the Company had impaired loans of $2,563,000 and $5,948,000,
respectively. The specifically allocated allowance for loan loss recognized on
these impaired loans was $675,000 and $1,007,000 at December 31, 2006 and 2005,
respectively. For the years ended December 31, 2006 and 2005 the Company had
average impaired loans of $2,303,000 and $6,068,000. Interest income recognized
on these loans in 2006 and 2005 was $34,000 and $65,000, respectively. Included
in total impaired loans at 2006 and 2005 was $1.3 million and $1.4 of restructured
loans.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE E: PREMISES AND
EQUIPMENT</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Premises and
equipment consist of the following at December 31:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="500">
<TR style="font-size:1px">
<TD WIDTH="70%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P align=center><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P align=center><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Land and
  land improvements</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,277</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,018 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Bank
  premises owned</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>63,895</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>60,796 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Equipment
  and construction in progress</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,443</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>46,013 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Premises and
equipment, gross</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>125,615</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>116,827 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Less:
  Accumulated depreciation</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(59,416</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(51,652</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Premises and
equipment, net</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>66,199</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>65,175 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE F: INTANGIBLE ASSETS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The gross
carrying amount and accumulated amortization for each type of intangible asset
are as follows:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="20%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>As of December 31, 2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>As of December 31, 2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross<BR>
  Carrying<BR>
  Amount</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Accumulated<BR>
  Amortization</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Net <BR>
  Carrying<BR>
  Amount</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Gross<BR>
  Carrying<BR>
  Amount</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Accumulated<BR>
  Amortization</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Net <BR>
  Carrying<BR>
  Amount</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Amortizing intangible
assets:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Core deposit
intangibles</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>65,351</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($40,686</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24,665</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>63,161</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($35,014</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28,147 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other
intangibles</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,569</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,181</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,214</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,536 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
amortizing intangibles</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>68,101</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(42,255</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,846</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>65,911</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(36,228</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,683 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Nonamortizing intangible
assets:</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Goodwill</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>220,290</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>220,290</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>195,195</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>195,195 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
intangible assets, net</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>288,391</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($42,255</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>246,136</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>261,106</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($36,228</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>224,878 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The changes in
the gross carrying amount of core deposit and goodwill relate to the 2006
acquisitions of Elmira and ONB. No goodwill impairment adjustments were
recognized in 2006 or 2005.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>56</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The estimated
aggregate amortization expense for each of the five succeeding fiscal years
ended December 31 is as follows:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="200">
<TR style="font-size:1px">
<TD WIDTH="10%" VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2007</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,045</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,677</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2009</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,132</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2010</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,258</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2011</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,208</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Thereafter</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,526</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=TOP colspan=5>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>

<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,846</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP colspan=5>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE G: DEPOSITS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Deposits
consist of the following at December 31:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="66%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Demand</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>578,951</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>601,082</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Interest
  checking</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>406,041</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>300,452</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Savings</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>461,346</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>476,883</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Money market</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>327,557</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>338,889</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Time</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,394,404</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,266,201</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
deposits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,168,299</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,983,507</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The estimated
fair value of deposit/liabilities at December 31, 2006 and 2005 was
approximately $2.9 billion and $2.7 billion, respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>At December
31, 2006 and 2005, time certificates of deposit in denominations of $100,000
and greater totaled $265,784,000 and $248,239,000 respectively. The approximate
maturities of time deposits at December 31, 2006 are as follows: </FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="200">
<TR style="font-size:1px">
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amount</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2007</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,003,420</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>282,840</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2009</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>52,264</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2010</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,773</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2011</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18,490</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Thereafter</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>617</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2> Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,394,404</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE H: BORROWINGS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Outstanding
borrowings at December 31 are as follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="600">
<TR style="font-size:1px">
<TD WIDTH="74%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Short-term
  borrowings:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Federal funds
purchased</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,300 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Federal Home
Loan Bank advances</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>155,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>155,000 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Commercial
loans sold with recourse</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>143</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>190 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Subordinated
debt held by unconsolidated
  subsidiary trusts</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,928</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
short-term borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>186,371</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>191,490 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Long-term
  borrowings:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Federal Home
Loan Bank advances</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>491,686</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>380,000 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Commercial
loans sold with recourse</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>352</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,098 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Subordinated debt held by
unconsolidated
  subsidiary trusts, net of discount of $1,215 and $1,407</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,086</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>80,502 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
long-term borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>619,124</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>461,600 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total
borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>805,495</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>653,090 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>57</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The weighted-average interest rates on short-term
borrowings for the years ended December 31, 2006 and 2005 were 3.83% and 3.07%,
respectively. Federal Home Loan Bank advances are collateralized by a blanket
lien on the Company&#146;s residential real estate loan portfolio and various
investment securities.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Long-term borrowings at December 31, 2006 have
maturity dates as follows:</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="65%">
<TR style="font-size:1px">
<TD WIDTH="61%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="13%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted, except rate)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amount</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM NOWRAP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Weighted<BR>
  Average Rate</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>January 17, 2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>418</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.76</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>January 23, 2008 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.44</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>January 28, 2008 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.48</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>February
  19, 2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>800</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.13</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>February
  19, 2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>526</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.70</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>March 3,
  2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.11</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>March 19,
  2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.88</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>November 18, 2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.99</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>March 19,
  2009</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.29</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>March 24,
  2009</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,500</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.22</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>October
  1, 2009</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>512</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.28</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>November 18, 2009</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.04</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>January
  19, 2010</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>818</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.35</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>February 18, 2010</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>985</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>April 14, 2010 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.35</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>September 27, 2010 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.88</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>October 12, 2010 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.84</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>November 1, 2010 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.77</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>November
  18, 2010</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.09</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>December
  20, 2010</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.84</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>July 1, 2011</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>October 30, 2012</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>167</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>January
  17, 2013</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,127</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>October 16, 2013</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>133</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>November 23, 2014</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.75</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>June 22, 2015 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.62</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>November 10, 2015 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.24</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>January
  27, 2016</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.98</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>May 19, 2016</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.72</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>October 11, 2016</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.62</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>October 11, 2016</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.35</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>July 16, 2031 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,160</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9.30</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>July 31, 2031 (callable)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24,606</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.96</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>December
  15, 2036</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>77,320</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>619,124</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.51</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The estimated fair value of long-term borrowings at
December 31, 2006 and 2005 was approximately $639.7 million and $505.1 million,
respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company sponsors four business trusts, Community
Capital Trust I, Community Capital Trust II, Community Statutory Trust III, and
Community Capital Trust IV of which 100% of the common stock is owned by the
Company. The trusts were formed for the purpose of issuing company-obligated
mandatorily redeemable preferred securities to third-party investors and
investing the proceeds from the sale of such preferred securities solely in
junior subordinated debt securities of the Company. The debentures held by each
trust are the sole assets of that trust. Distributions on the preferred
securities issued by each trust are payable semi-annually at a rate per annum
equal to the interest rate being earned by the trust on the debentures held by
that trust. The preferred securities are subject to mandatory redemption, in
whole or in part, upon repayment of the debentures. The Company has entered
into agreements which, taken collectively, fully and unconditionally guarantee
the </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>58</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>preferred securities subject to the terms of each of
the guarantees. The terms of the preferred securities of each trust are as
follows:</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="20%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="17%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="22%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Issuance<BR>
  Date</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Amount</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Interest<BR>
  Rate</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Maturity<BR>
  Date</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Call<BR>
  Provision</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Call<BR>
  Price</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>I</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2/3/1997</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,000</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>9.75%</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2/03/2027</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP NOWRAP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10
  year beginning 2007</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>104.5400% declining to par in
  2017</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>II</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7/16/2001</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,000</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P style="margin-left:8.65pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>6 month LIBOR plus 3.75%
  (9.30%)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7/16/2031</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5
  year beginning 2006</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P style="margin-left:8.65pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>107.6875% declining to par in
  2011</FONT></P>
</TD>
</TR>
<TR BGCOLOR="#EAF9E8">
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>III</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7/31/2001</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24,450</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P style="margin-left:8.65pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>3 month LIBOR plus 3.58%
  (8.96%)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7/31/2031</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5
  year beginning 2006</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P style="margin-left:8.65pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>107.5000% declining to par in
  2011</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>IV</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12/8/2006</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>75,000</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P style="margin-left:8.65pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>3 month LIBOR plus 1.65%
  (7.00%)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12/15/2036</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5
  year beginning 2012</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Par</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>On December 8, 2006, the
Company established Community Capital Trust IV, which completed the sale of $75
million of trust preferred securities. The net proceeds of the offering will be
used by the Company for general corporate purposes including the early call of
the $30 million fixed-rate trust preferred securities of Community Capital
Trust I, in early 2007. At the time of the offering, the Company also entered
into an interest rate swap agreement to convert the variable rate trust
preferred securities into fixed rate securities for a term of five years at a
fixed rate of 6.43%. A net gain of $27,000 was recognized for the interest rate
swap agreement as of December 31, 2006, and was used to offset the interest
expense for the trust preferred securities.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE I:
INCOME TAXES</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The provision for income taxes for the years ended
December 31 is as follows:</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="65%">
<TR style="font-size:1px">
<TD WIDTH="51%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Current:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Federal</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,563</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15,838</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,922 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>State</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,356</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,421</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,435 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Deferred:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Federal</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,198</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>231</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,399 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>State</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>199</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(750</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(113 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Provision for income taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,920</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,740</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,643 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Components of the net deferred tax liability, included
in other liabilities, as of December 31 are as follows:</FONT></P>

<TABLE   BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="54%">
<TR style="font-size:1px">
<TD WIDTH="60%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Allowance for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,934</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,892 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Employee and director benefits</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,575</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,259 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Pension</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,678</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>State tax credit carryforwards</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,016</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,394</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,590</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,099 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Deferred tax
  asset</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,793</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,644 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,214</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,052 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Intangible assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,505</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,556 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Loan origination costs</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,085</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,295 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Depreciation</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,393</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,720 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Pension</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,170 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mortgage servicing rights</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,012</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>194 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Deferred tax
  liability</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,209</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,987 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net deferred tax liability</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>416</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,343</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company has determined that no valuation allowance
is necessary as it is more likely than not that deferred tax assets will be
realized through carryback of future deductions to taxable income in prior
years, future reversals of existing temporary differences, and through future
taxable income.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>59</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>A reconciliation of the differences between the
federal statutory income tax rate and the effective tax rate for the years
ended December 31 is shown in the following table:</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="70%">
<TR style="font-size:1px">
<TD WIDTH="61%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Federal statutory income tax rate</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Increase (reduction) in taxes resulting from:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Tax-exempt
  interest</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(14.1</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(10.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(11.3</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>State income
taxes,
  net of federal benefit and other</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.2</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Effective income tax rate</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P ALIGN="JUSTIFY"><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company files a consolidated federal income tax
return reflecting taxable income earned by all subsidiaries. In prior years,
applicable federal tax law allowed certain financial institutions (Elmira) the
option of deducting as bad debt expense for tax purposes amounts in excess of
actual losses. In accordance with generally accepted accounting principles,
such financial institutions were not required to provide deferred income taxes
on such excess. Recapture of the excess tax bad debt reserve established under
the previously allowed method will result in taxable income if the Company
fails to maintain bank status as defined in the Internal Revenue Code or
charges are made to the reserve for other than bad debt losses. At December 31,
2006, the tax bad debt reserve for which no federal income taxes have been
provided was approximately $2.7 million. No actions are planned that would
cause this reserve to become wholly or partially taxable.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE J: LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s ability to pay dividends to its
shareholders is largely dependent on the Bank&#146;s ability to pay dividends to the
Company. In addition to state law requirements and the capital requirements
discussed below, the circumstances under which the Bank may pay dividends are
limited by federal statutes, regulations, and policies. For example, as a
national bank, the Bank must obtain the approval of the Office of the
Comptroller of the Currency (OCC) for payments of dividends if the total of all
dividends declared in any calendar year would exceed the total of the Bank&#146;s
net profits, as defined by applicable regulations, for that year, combined with
its retained net profits for the preceding two years. Furthermore, the Bank may
not pay a dividend in an amount greater than its undivided profits then on hand
after deducting its losses and bad debts, as defined by applicable regulations.
At December 31, 2006, the Bank had approximately $18,886,000 in undivided
profits legally available for the payments of dividends.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In addition, the Federal Reserve Board and the OCC are
authorized to determine under certain circumstances that the payment of
dividends would be an unsafe or unsound practice and to prohibit payment of
such dividends. The Federal Reserve Board has indicated that banking
organizations should generally pay dividends only out of current operating
earnings.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>There are also statutory limits on the transfer of funds to the Company
by its banking subsidiary, whether in the form of loans or other extensions of
credit, investments or assets purchases. Such transfer by the Bank to the
Company generally is limited in amount to 10% of the Bank&#146;s capital and
surplus, or 20% in the aggregate. Furthermore, such loans and extensions of
credit are required to be collateralized in specific amounts.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>60</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE K:
BENEFIT PLANS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Pension and post-retirement plans</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
provides defined benefit pension and other post-retirement health and life
insurance benefits to qualified employees and retirees.  Using a measurement date of December 31, the
following table shows the funded status of the Company&#146;s plans reconciled with
amounts reported in the Company&#146;s consolidated statements of condition:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px" >
<TD WIDTH="52%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Pension Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="6" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Post-retirement Benefits</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD COLSPAN="6" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><B>(000&#146;s
omitted)</B> </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Change in
  benefit obligation:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Benefit
obligation at the beginning of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48,922</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>47,613</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$ 8,266</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$ 6,370 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Service
cost</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,920</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,799</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>521</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>440 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest
cost</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,537</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,605</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>474</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>415 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Participant
contributions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>376</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>336 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Plan
amendment/acquisition</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,234</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,585</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>760 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Deferred
actuarial loss</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>945</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>283</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>342</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>666 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Benefits
paid</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,168</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,963</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(706</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(721</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE  WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE="1" NOSHADE WIDTH="30%" ALIGN="LEFT">
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Benefit
  obligation at end of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,390</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48,922</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,298</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,266 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE  WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE="1" NOSHADE WIDTH="30%" ALIGN="LEFT">
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Change in
  plan assets:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Fair value of
plan assets at beginning of
  year</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,160</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41,747</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Actual return
of plan assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,480</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,576</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Participant
contributions</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>376</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>336 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Employer
contributions</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,100</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,800</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>330</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>385 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Plan
acquisition</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,385</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Benefits
paid</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(4,912</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,963</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(706</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(721</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE  WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE="1" NOSHADE WIDTH="30%" ALIGN="LEFT">
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Fair value
  of plan assets at end of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>47,213</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>44,160</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE  WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE="1" NOSHADE WIDTH="30%" ALIGN="LEFT">
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><BR>Unfunded
  status</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(4,177</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(4,762</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(9,298</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(8,266</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unrecognized
  actuarial loss</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,116</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,069 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unrecognized
  prior service (benefit) cost</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1,239</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>981 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unrecognized
  transition liability</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>287 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE  WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE="1" NOSHADE WIDTH="30%" ALIGN="LEFT">
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Prepaid
  (accrued) benefit cost</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(4,177</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,115</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($ 9,298</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>($ 4,929</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>

</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
defined benefit pension plan includes a cash balance option.  Participants in the plan as of December 31,
2003 were given an option to continue to have their benefits calculated under
the traditional plan formula or have their benefits determined as an account
balance under a cash balance formula.
All new participants to the plan automatically participate in the cash
balance option.  As of December 31,
2005, the Company further amended its defined benefit pension plan and certain
executive supplemental pension plans to provide special termination benefits to
certain key employees.  Additionally, in
2005 the plan was amended to provide for the payment of certain benefits
formerly accrued and payable under the Deferred Compensation Plan for Certain
Executive Employees.  Effective January
1, 2005, the Company also amended its post-retirement medical plan to provide
benefit coverage through a self-insured plan.
Previously, coverage was provided through community-rated HMO plans.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
has unfunded supplemental pension plans for certain key executives.  The projected benefit obligation and accrued
benefit cost included in the preceding table related to these plans was
$4,753,000 and $4,103,000 for 2006 and $3,032,000 and $3,020,000 for 2005,
respectively.  The benefit obligation
for the defined benefit pension was $46,637,000 as of December 31, 2006.  The accumulated benefit obligation for the
defined benefit pension was $41,838,000 as of December 31, 2005.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
weighted-average assumptions used to determine the benefit obligations as of
December 31 are as follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px" >
<TD WIDTH="44%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Pension Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Post-retirement Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD COLSPAN="5" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Discount
  rate</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Expected
  return on plan assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Rate of
  compensation increase</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>61</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The net
periodic benefit cost as of December 31 is as follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px" >
<TD WIDTH="38%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Pension Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Post-retirement Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=BOTTOM>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><B>(000&#146;s
omitted)</B> </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Service cost</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,920</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,799</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,557</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>521</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>440</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>311 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Interest
  cost</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,537</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,605</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,433</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>474</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>415</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>325 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Expected
  return on plan assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,309</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,714</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,160</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net
  amortization and deferral</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,163</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,271</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,066</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>107</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>77</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>37 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Amortization
  of prior service cost</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(31</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>618</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>155</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>110</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>110</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Amortization
  of transition (asset) obligation</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other
  expense</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>515</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 NOSHADE WIDTH="100%" ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net periodic
  benefit cost</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,280</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,094</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,051</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,253</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,083</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>744 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Other expense
represents a $515,000 adjustment recorded in the fourth quarter of 2005 to
reflect special termination benefits associated with certain early retirement
actions.  </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Prior service
costs in which all or almost all of the plan&#146;s participants are fully eligible
for benefits under the plan are amortized on a straight-line basis over the
expected future working years of all active plan participants.  Prior service costs associated with
transferring individual nonqualified plans are amortized on a straight-line
basis over a three-year period.
Unrecognized gains or losses are amortized using the &#147;corridor
approach&#148;, which is the minimum amortization required by Statement of Financial
Accounting Standards No.&nbsp;87. Under the corridor approach, the net gain or
loss in excess of 10&nbsp;percent of the greater of the projected benefit
obligation or the market-related value of the assets is amortized on a
straight-line basis over the expected future working years of all active plan
participants.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
weighted-average assumptions used to determine the net periodic pension cost
for the years ended December 31 are as follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px" >
<TD WIDTH="38%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Pension Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Post-retirement Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Discount
  rate</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.90</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5.90</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Expected
  return on plan assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.75</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.75</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Rate of
  compensation increase</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The amount of
benefit payments that are expected to be paid over the next ten years are as
follows:</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="50%">
<TR style="font-size:1px" >
<TD WIDTH="17%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="20%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="15%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><B>(000&#146;s
omitted)</B> </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Pension<BR>
  Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM nowrap>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Post-retirement<BR>
  Benefits</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2007</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,023</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>407</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,240</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>424 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT ><FONT Face="Times New Roman, Times, Serif" SIZE=2>2009</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,577</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>482 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT ><FONT Face="Times New Roman, Times, Serif" SIZE=2>2010</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,603</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>546</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT ><FONT Face="Times New Roman, Times, Serif" SIZE=2>2011</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,830</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>612 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2012-2016</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,830</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$ 3,897 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The payments
reflect future service and are based on various assumptions including
retirement age and form of payment (lump-sum versus annuity). Actual results
may differ from these estimates. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The assumed discount rate is
used to reflect the time value of future benefit obligations.  The discount rate was determined based upon
the yield on high-quality fixed income investments expected to be available
during the period to maturity of the pension benefits.  This rate is sensitive to changes in
interest rates.  A decrease in the
discount rate would increase our obligation and future expense while an
increase would have the opposite effect.
The expected long-term rate of return was estimated by taking into
consideration asset allocation, reviewing historical returns on the type of
assets held and current economic factors.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>62</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The asset
allocation for the defined benefit pension plan as of December 31, by asset
category, is as follows: </FONT></P>

<TABLE ALIGN=LEFT BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="40%">
<TR style="font-size:1px">
<TD WIDTH="64%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2> Equity
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>73</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2> Debt
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>
Cash</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>
Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<BR CLEAR=ALL><BR>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Plan assets
include $3,105,000 (7%) and $2,052,000 (5%) of Community Bank System, Inc.
stock at December 31, 2006 and 2005, respectively. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The investment
objective for the defined benefit pension plan is to achieve an average annual
total return over a five-year period equal to the assumed rate of return used
in the actuarial calculations. At a minimum performance level, the portfolio
should earn the return obtainable on high quality intermediate-term bonds. The
Company&#146;s perspective regarding portfolio assets combines both preservation of
capital and moderate risk-taking. Asset allocation favors equities, with a
target allocation of approximately 75% equity securities, 20% fixed income
securities and 5% cash. No more than 10% of the portfolio can be in stock of
the Company. Due to the volatility in the market, the target allocation is not
always desirable and asset allocations will fluctuate between acceptable
ranges. Prohibited transactions include purchase of securities on margin,
uncovered call options, short sale transactions, and use of real estate,
unlisted limited partnerships, derivative products or venture capital loans as
fixed income investment vehicles.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
makes contributions to its funded qualified pension plan as required by
government regulation or as deemed appropriate by management after considering
the fair value of plan assets, expected return on such assets, and the value of
the accumulated benefit obligation. The Company funds the payment of benefit
obligations for the supplemental pension and post-retirement plans because such
plans do not hold assets for investment.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The assumed
health care cost trend rate used in the post-retirement health plan at December
31, 2006 was 9.75% for the pre-65 participants and 8.00% for the post-65
participants for medical costs and 11.00% for prescription drugs. The rate to
which the cost trend rate is assumed to decline (the ultimate trend rate) and
the year that the rate reaches the ultimate trend rate is 5.0% and 2013,
respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Assumed health
care cost trend rates have a significant effect on the amounts reported for the
health care plan. A one-percentage-point increase in the trend rate would
increase the service and interest cost components by $74,000 and increase the
benefit obligation by $545,000. A one-percentage-point decrease in the trend
rate would decrease the service and interest cost components by $65,000 and
decrease the benefit obligation by $487,000. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>401(k) Employee Stock Ownership Plan</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company has a 401(k)
Employee Stock Ownership Plan in which employees can contribute from 1% to 90%
of eligible compensation, with up to 6% being eligible for 50% matching
contributions in the form of Company common stock. The Plan also permits the
Company to distribute a discretionary profit-sharing component in the form of
Company common stock to all participants except certain executive employees.
The expense recognized under this plan for the years ended December 31, 2006,
2005 and 2004 was $1,750,000, $1,763,000 and $1,583,000, respectively. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Deferred Compensation Plan for Certain
Executive Employees</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company has a Deferred
Compensation Plan for Certain Executive Employees in which participants may
contribute up to 15% of their eligible compensation less any amounts
contributed to the 401(k) Employee Stock Ownership Plan. Any discretionary
profit-sharing amounts that the executive receives from the Company must be
contributed to the Deferred Compensation Plan in the form of Company common
stock. The expense recognized under this plan for the years ended December 31,
2006, 2005 and 2004 was $71,000, $201,000 and $159,000, respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Other Deferred Compensation Arrangements</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In addition to the supplemental
pension plans for certain executives, the Company has nonqualified deferred
compensation for several former directors, officers and key employees. All
benefits provided under these plans are unfunded and payments to plan
participants are made by the Company. At December 31, 2006 and 2005, the
Company has recorded a liability of $6,557,000 and $6,320,000, respectively.
The expense recognized under these plans for the years ended December 31, 2006,
2005, and 2004 was $934,000 $1,102,000 and $1,727,000, respectively.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>63</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Deferred Compensation Plan for Directors</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Directors may defer all or a
portion of their director fees under the Deferred Compensation Plan for
Directors. Under this plan, there is a separate account for each participating
director which is credited with the amount of shares which could have been purchased
with the director&#146;s fees as well as any dividends on such shares. On the
distribution date, the director will receive common stock equal to the
accumulated share balance in his account. As of December 31, 2006 and 2005,
there were 81,226 and 73,369 shares credited to the participants&#146; accounts, for
which a liability of $1,499,000 and $1,311,000 was accrued, respectively. The
expense recognized under the plan for the years ended December 31, 2006, 2005
and 2004, was $251,000, $238,000, and $206,000, respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Director Stock Balance Plan</I></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company has a Stock Balance
Plan for nonemployee directors who have completed six months of service. The
Plan is a nonqualified, noncontributory defined benefit plan. The Plan provides
benefits for service prior to January 1, 1996 based on a predetermined formula
and benefits for service after January 1, 1996 based on the performance of the
Company&#146;s common stock. Participants become fully vested after six years of
service. The directors can elect to receive offset stock options that may
reduce the Company&#146;s liability under the Plan. These options vest immediately
and expire one year after the date the director retires or two years in the
event of death. Benefits are payable in the form of cash and/or Company stock
(as elected by the director) on January 1<SUP>st</SUP> of the year after the
director retires from the Board. As of December 31, 2006 and 2005, the accrued
pension liability was $452,000 and $297,000, respectively. The expense
recognized under this plan for the years ended December 31, 2006, 2005 and
2004, was $50,000, $10,000 and $36,000, respectively. The expense and related
liability were calculated using a dividend rate of 3.00%, stock price
appreciation of 6.00%, and a discount rate of 5.6% for 2006, 2005, and 2004.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE L: STOCK-BASED
COMPENSATION PLANS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
has a long-term incentive program for directors, officers and employees. Under
this program, the Company authorized 4,000,000 shares of Company common stock
for the grant of incentive stock options, nonqualified stock options,
restricted stock awards, retroactive stock appreciation rights. As of December
31, 2006, the Company has authorization to grant up to 3,019,000 additional
shares of Company common stock for these instruments. The nonqualified (offset)
stock options in its Director&#146;s Stock Balance Plan vest and become exercisable
immediately and expire one year after the date the director retires or two
years in the event of death. The remaining options have a ten-year term, and
vest and become exercisable on a grant-by-grant basis, ranging from immediate
vesting to ratably over a five-year period. Activity in this long-term
incentive program is as follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px">
<TD WIDTH="37%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="9%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Stock Options</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Restricted Stock</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Outstanding</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Weighted Average Exercise Price of<BR>
  Shares</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Outstanding</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Weighted Average Grant Date Fair Value of Shares</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>December 31,
  2004</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,400,932</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$15.59</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>34,818</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$23.07 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Granted</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>579,484</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.33</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,197</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.84</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Exercised</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(417,824</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.55</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(16,921</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.61</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Forfeited</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(16,902</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17.86</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Outstanding
  at December 31, 2005</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,545,690</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18.23</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21,094</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.56 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Granted</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>392,211</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.61</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>100</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.20</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Exercised</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(335,589</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14.27</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(7,545</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.08</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Forfeited</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(18,468</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.82</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(4,206</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.38</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Expired</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(8,881</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15.73</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="30%" NOSHADE  ALIGN=LEFT>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Outstanding
  at December 31, 2006</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,574,963</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19.54</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,443</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.66 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Exercisable
  at December 31, 2006</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,720,798</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>$18.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" size=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR size=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>64</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following table summarizes the information about
stock options outstanding under the Company&#146;s stock option plan at December 31,
2006:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">
<TR style="font-size:1px">
<TD WIDTH="16%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Options
  outstanding</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Options
  exercisable</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Range of<BR>
  Exercise Price</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Shares</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Weighted<BR>
  Average<BR>
  Exercise<BR>
  Price</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Weighted<BR>
  Average<BR>
  Remaining<BR>
  Life (years)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Shares</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Weighted<BR>
  Average<BR>
  Exercise<BR>
  Price</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$2.58 &#150; $7.75</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19,040</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.89</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.5</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19,040</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.89</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$7.75 &#150; $10.33</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27,179</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9.32</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.9</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27,179</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9.32</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$10.33 &#150; $12.91</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>289,361</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12.13</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>289,361</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12.13</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$12.91 &#150; $15.49</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>305,286</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.60</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.1</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>271,790</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.65</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$15.49 &#150; $18.07</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>531,678</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16.29</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.3</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>434,949</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16.42</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$18.07 &#150; $20.66</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26,671</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19.25</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.7</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18.96</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$20.66 &#150; $23.24</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>183,961</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.99</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>163,734</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.02</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$23.24 &#150; $25.82</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,191,787</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.25</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>505,745</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>TOTAL</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,574,963</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19.54</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.8</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,720,798</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<BR>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The weighted average remaining contractual term of
outstanding and exercisable stock options at December 31, 2006 is 6.8 years and 6.3 years,
respectively. The aggregate intrinsic value of outstanding and exercisable
stock options at December 31, 2006 is $50.3 million and $31.0 million,
respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company adopted Statement of Financial Accounting
Standards No. 123(R), <I>Share-Based Payment</I>
(&#147;SFAS 123(R)&#148;), on January 1, 2006 using the modified prospective method.
Under this method, awards that are granted, modified, or settled after December
31, 2005, are measured and accounted for in accordance with SFAS 123(R). Also
under this method, expense is recognized for unvested awards that were granted
prior to January 1, 2006, based upon the fair value determined at the grant
date under SFAS 123(R)<I>. </I>Stock
based compensation expense is recognized ratably over the requisite service
period for all awards. Prior to the adoption of SFAS 123(R), the Company
accounted for stock compensation under the intrinsic value method permitted by
Accounting Principles Board Opinion No 25, <I>Accounting
for Stock Issued to Employees</I> (&#147;APB No. 25&#148;) and related
interpretations. Accordingly, the Company previously recognized no compensation
cost for employee stock options that were granted with an exercise price equal
to the market value of the underlying common stock on the date of grant.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As a result of applying the provisions of SFAS 123(R)
during 2006, the Company recognized stock-based compensation expense related to
incentive and nonqualified stock options of $2.0 million and a related income
tax benefit of $286,000. Compensation expense related to restricted stock
recognized in the income statement for 2006 and 2005 was $62,000 and $233,000,
respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following table illustrates the effect on net
income and earnings per share if the fair value based method established in
SFAS No. 123(R) had been applied in 2005 and 2004:</FONT></P>

<TABLE ALIGN=LEFT  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">
<TR style="font-size:1px">
<TD WIDTH="67%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s
  omitted except per share amounts)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net income,
as
  reported</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Plus:
  stock-based compensation expense as reported, net of tax</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>158</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>228</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Less:
  stock-based compensation expense determined under fair value method, net of
  tax</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,962</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(886 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.4PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Pro forma
net
  income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48,001</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>49,538 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Earnings per
  share:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>As
reported:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:34PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Basic</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.68 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:34PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Diluted</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.65</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.64 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Pro
forma:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:34PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Basic</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.58</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.66 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:34PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Diluted</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.56</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.61 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>
<BR CLEAR=ALL><BR>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>65<BR>
</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Management estimated the fair value of options granted
using the Black-Scholes option-pricing model. This model was originally
developed to estimate the fair value of exchange-traded equity options, which
(unlike employee stock options) have no vesting period or transferability
restrictions. As a result, the Black-Scholes model is not necessarily a precise
indicator of the value of an option, but it is commonly used for this purpose.
The Black-Scholes model requires several assumptions, which management
developed based on historical trends and current market observations.</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">
<TR style="font-size:1px">
<TD WIDTH="51%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Weighted
Average Fair Value of Options Granted</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.10</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6.07</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Assumptions:</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Weighted-average expected life (in years)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.78</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.70</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.43</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Future
dividend yield</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.00</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Share price
volatility</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26.46</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>26.71</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>27.02</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Weighted
average risk-free interest rate</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.37</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.03</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
</TABLE>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unrecognized stock based compensation expense related
to nonvested stock options totaled $3.7 million at December 31, 2006, which
will be recognized as expense over the next five years. The weighted average
period over which this unrecognized expense would be recognized is 3.2 years.
The total fair value of shares vested during 2006, 2005 and 2004 were $1.7
million, $3.9 million and $1.4 million, respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>During
the twelve months ended December 31, 2006 and 2005, proceeds from stock option
exercises totaled $4.5 million and $4.6 million, respectively, and the related
windfall tax benefits from exercise were approximately $444,000 and $958,000,
respectively. During the twelve months ended December 31, 2006 and 2005,
335,589 and 417,814 shares, respectively, were issued in connection with stock
option exercise. All shares issued were new shares issued from available
authorized shares. The total intrinsic value of options exercised during 2006,
2005 and 2004 were $2.8 million, $5.0 million and $10.9 million, respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>During the fourth quarter 2005, certain executive
officers elected early retirement as of December 31, 2005 and the Company
announced the planned retirement of its chief executive officer in July 2006.
In connection with these actions, the Company accelerated the vesting of
254,163 options and granted an additional 80,633 fully vested options.
Additionally, the Company granted 70,593 options to certain directors in the
Directors Stock Balance Plan (see Note K). The effect of these option
modifications and issuances resulted in the foregoing of future after-tax
stock-based compensation expense of approximately $1.2 million.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>A summary of the status of the Company&#146;s unvested
stock awards as of December 31, 2006, and changes during the twelve months
ended December 31, 2006, is presented below:</FONT></P>

<TABLE ALIGN=LEFT  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="70%">
<TR style="font-size:1px">
<TD WIDTH="48%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="15%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="23%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Shares</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Weighted
  Average<BR>
  grant date fair value</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unvested at January 1, 2006</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>806,303</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.17</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Awards</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>392,211</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.61</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cancellations</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(18,468</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.82</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Deletions</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(8,881</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15.73</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Vestings</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(317,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>20.28</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Unvested at December 31,
  2006</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>854,165</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>22.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<BR CLEAR=ALL><BR>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>66<BR>
</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE M: EARNINGS PER SHARE</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The following is a reconciliation of basic to diluted
earnings per share for the years ended December 31:</FONT></P>

<TABLE ALIGN=LEFT  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="80%">
<TR style="font-size:1px">
<TD WIDTH="45%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="12%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted, except per share data)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Income</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Shares</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Per Share<BR>
  Amount</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Year
  Ended December 31,2006</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Basic
EPS</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,976</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.28</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Stock
options</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>416</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted
EPS</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,392</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Year
  Ended December 31,2005</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Basic
EPS</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,294</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.68 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Stock
options</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>544</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted
EPS</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,838</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.65 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><I>Year
  Ended December 31,2004</I></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Basic
EPS</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>29,916</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.68 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Stock
options</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>754</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted
EPS</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,670</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.64 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>
<BR CLEAR=ALL><BR>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>There were 1,375,748, 831,351, and 424,594
anti-dilutive stock options outstanding for the years ended December 31, 2006,
2005 and 2004, respectively.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE N: COMMITMENTS, CONTINGENT LIABILITIES AND
RESTRICTIONS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company is a party to financial instruments with
off-balance-sheet risk in the normal course of business to meet the financing
needs of its customers. These financial instruments consist primarily of
commitments to extend credit and standby letters of credit. Commitments to
extend credit are agreements to lend to customers, generally having fixed
expiration dates or other termination clauses that may require payment of a
fee. These commitments consist principally of unused commercial and consumer
credit lines. Standby letters of credit generally are contingent upon the
failure of the customer to perform according to the terms of an underlying
contract with a third party. The credit risks associated with commitments to
extend credit and standby letters of credit are essentially the same as that
involved with extending loans to customers and are subject to normal credit
policies. Collateral may be obtained based on management&#146;s assessment of the
customer&#146;s creditworthiness. The fair value of the standby letters of credit is
immaterial for disclosure in accordance with FASB Interpretation No. 45, <I>Guarantor&#146;s Accounting and
Disclosure Requirements
for Guarantees, Including Indirect Guarantees of Indebtedness of Others</I>.
The contract amount of commitment and contingencies is as follows:</FONT></P>

<TABLE ALIGN=LEFT  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="60%">
<TR style="font-size:1px">
<TD WIDTH="51%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="16%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="16%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Commitments to extend credit</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>443,367</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>434,640 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Standby letters of credit</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,082</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>25,638 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>453,449</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>460,278 </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<BR CLEAR=ALL><BR>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The fair value of these financial instruments
approximates their contract value.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company has unused lines of credit of $100,000,000
at December 31, 2006. The Company has unused borrowing capacity of
approximately $121,529,000 through collateralized transactions with the Federal
Home Loan Bank and $11,105,000 through collateralized transactions with the
Federal Reserve Bank.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company is required to maintain a reserve balance,
as established by the Federal Reserve Bank of New York. The required average
total reserve for the 14-day maintenance period of December 21, 2006 through
January 3, 2007 was $31,202,000 of which $2,000,000 was required to be on
deposit with the Federal Reserve Bank of New York. The remaining $29,202,000
was represented by cash on hand.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>67<BR>
</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE O: LEASES</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company leases buildings and office space under
agreements that expire in various years. Rental expense included in operating
expenses amounted to $2,710,000, $2,661,000 and $2,486,000 in 2006, 2005 and
2004, respectively. The future minimum rental commitments as of December 31,
2006 for all noncancelable operating leases are as follows:</FONT></P>

<TABLE   BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="25%" style="margin-left:3%">
<TR style="font-size:1px">
<TD WIDTH="47%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="30%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2007</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,266</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2008</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,553
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2009</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,295
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2010</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,182
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2011</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>979
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Thereafter</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,867
  </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,142</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>
<BR CLEAR=ALL><BR>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE P: REGULATORY MATTERS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company and the Bank are subject to various
regulatory capital requirements administered by the federal banking agencies.
Failure to meet minimum capital requirements can initiate certain mandatory and
possibly additional discretionary actions by regulators that, if undertaken,
could have a direct material effect on the Company&#146;s financial statements.
Under capital adequacy guidelines and the regulatory framework for prompt
corrective action, the Company and the Bank must meet specific capital guidelines
that involve quantitative measures of the Company&#146;s and the Bank&#146;s assets,
liabilities, and certain off-balance sheet items as calculated under regulatory
accounting practices. The Company&#146;s and the Bank&#146;s capital amounts and
classification are also subject to qualitative judgments by the regulators
about components, risk weightings, and other factors.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Quantitative measures established by regulation to
ensure capital adequacy require the Company and Bank to maintain minimum total
core capital to risk weighted assets of 8%, and Tier I capital to risk weighted
assets and Tier I capital to average assets of 4%. Management believes, as of
December 31, 2006, that the Company and Bank meet all capital adequacy
requirements to which they are subject.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>As of December 31, 2006 and 2005, the most recent
notification from the Office of the Comptroller of the Currency categorized the
Company and Bank as &#147;well capitalized&#148; under the regulatory framework for
prompt corrective action. To be categorized as &#147;well capitalized,&#148; the Company
and Bank must maintain minimum total core capital to risk weighted assets of
10%, Tier I capital to risk weighted assets of 6% and Tier I capital to average
assets of 5%. There are no conditions or events since that notification that management
believes have changed the institution&#146;s category. In addition, there were no
significant capital requirements imposed or agreed to during the regulatory
approval process of any of our acquisitions.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The capital ratios and amounts of the Company and the
Bank as of December 31 are presented below:</FONT></P>

<TABLE ALIGN=LEFT  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">
<TR style="font-size:1px">
<TD WIDTH="42%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="4%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="5" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Company</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Bank</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Company</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Bank</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Tier 1 capital to average assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Amount</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>367,175</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>292,087</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>296,154</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>283,836 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Ratio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8.81</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.04</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.57</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7.27</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Minimum
required
  amount</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>166,739</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>166,034</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>156,571</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>156,241 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Tier 1 capital to risk weighted assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Amount</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>367,175</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>292,087</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>296,154</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>283,836 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Ratio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14.22</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.34</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12.39</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11.91</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Minimum
required
  amount</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>103,298</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>103,015</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>95,589</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>95,346 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=2>Total core capital to risk weighted assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Amount</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>399,507</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>324,331</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>326,026</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>313,631 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"
SIZE=2>Ratio</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>15.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12.59</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.64</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13.16</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>%</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Minimum
required
  amount</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>206,597</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>206,029</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>191,178</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>190,692 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>
<BR CLEAR=ALL><BR>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>68<BR>
</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>NOTE Q: PARENT COMPANY STATEMENTS</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The condensed
balance sheets of the parent company at December 31 is as follows:</FONT></P>

<TABLE ALIGN=Left  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="59%">
<TR style="font-size:1px" >
<TD WIDTH="61%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="11%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Assets:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Cash and cash
equivalents</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>80,754</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,247</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Investment securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,320</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,885</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Investment in and advances to
subsidiaries</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>540,226</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>523,963</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,801</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,850</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>631,101</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>546,945</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Liabilities
  and shareholders&#146; equity:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Accrued interest and other
liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,559</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,848</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>158,014</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>80,502</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Shareholders&#146;
equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>461,528</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>457,595</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total liabilities and
shareholders&#146; equity</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>631,101</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>546,945</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="8" VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<BR clear=all><BR>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The condensed
statements of income of the parent company for the years ended December 31 is
as follows:</FONT></P>



<TABLE ALIGN=Left  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="85%">
<TR style="font-size:1px" >
<TD WIDTH="62%" VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="7%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Revenues:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Dividends from
subsidiaries</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>39,750</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>55,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41,500</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest and dividends on
investments</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>236</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>204</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>179</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Gain on sale of fixed
asset</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>204</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>28</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total revenues</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,214</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>55,228</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>41,707</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Expenses:</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Interest on long-term notes and
debentures</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,441</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,141</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,061</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Loss on early debt
extinguishment</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,498</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Other expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>124</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>45</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Total expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,063</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,186</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,074</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income before tax benefit and
equity in
  undistributed net income of subsidiaries</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,151</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>48,042</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,633</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income tax benefit</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,299</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,801</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,461</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income before equity in
undistributed net
  income of subsidiaries</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,450</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>49,843</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>37,094</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Equity in undistributed net
income of
  subsidiaries</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,927</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>962</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,102</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<BR clear=all><BR>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>69</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The statements
of cash flows of the parent company for the years ended December 31 is as
follows:</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
<TR style="font-size:1px" >
<TD WIDTH="66%" VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="3%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="6%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000&#146;s omitted)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2004</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>

</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Operating activities:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,377</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,196</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Gain on sale of fixed
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(204</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Adjustments to reconcile net
income to net
  cash provided by operating activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Equity in undistributed net
income of
  subsidiaries</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,927</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(962</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(13,102</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:25.9PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net change in other assets and
other
  liabilities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,096</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,112</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,157</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:34.55PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net cash provided by operating
activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,342</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>51,955</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>40,251</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Investing activities:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Purchase of investment
securities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2,423</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Proceeds from sale of fixed
assets</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>260</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Capital contributions to
subsidiaries</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(24,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:34.55PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net cash used in investing
activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(26,163</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Financing activities:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P style="margin-left:17.3pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net change
  in short-term borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(3,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(17,000</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P style="margin-left:17.3pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Proceeds for
  long-term borrowings</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>77,320</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>&#151;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P style="margin-left:17.3pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Issuance of
  common stock</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,571</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,507</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,344</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P style="margin-left:17.3pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Purchase of
  treasury stock</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(5,542</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(25,875</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(21,709</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P style="margin-left:17.3pt; text-indent:-8.65pt"><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash
  dividends paid</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(23,021</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(22,112</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(19,543</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:34.55PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net cash (used) provided by
financing
  activities</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>53,328</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(46,480</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(52,908</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Change in
  cash and cash equivalents</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>63,507</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,475</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>(12,657</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Cash and
  cash equivalents at beginning of year</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,247</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,772</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>24,429</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Cash and cash equivalents at end of year</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>80,754</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,247</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,772</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="11" VALIGN=BOTTOM>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Supplemental disclosures of cash flow information:</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Cash paid for
interest</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>7,814</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,838</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,943 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Supplemental disclosures of noncash financing activities</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Dividends declared and
unpaid</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,989</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,695</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,515 </FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>70</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><A NAME=A20></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Report on Internal Control Over Financial
Reporting</B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Our management
is responsible for establishing and maintaining adequate internal control over
financial reporting, as such term is defined in Exchange Act Rule 13a &#150; 15(f).
Under the supervision and with the participation of our management, including
our principal executive officer and principal financial officer, we conducted an
evaluation of the effectiveness of our internal control over financial
reporting based on the framework in Internal Control &#150; Integrated Framework
issued by the Committee of Sponsoring Organizations of the Treadway Commission.
Based on our evaluation under the framework in Internal Control &#150; Integrated
Framework, our management concluded that our internal control over financial
reporting was effective as of December 31, 2006.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Our
management&#146;s assessment of the effectiveness of our internal control over financial
reporting as of December 31, 2006 has been audited by PricewaterhouseCoopers
LLP, an independent registered public accounting firm, as stated in their
report which is included herein. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community Bank
System, Inc.</FONT></P>

<DIV><FONT Face="Times New Roman, Times, Serif" SIZE=2>By: /s/ Mark E. Tryniski</FONT></DIV>

<HR NOSHADE ALIGN=left WIDTH="30%" SIZE=1>
<DIV><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mark E. Tryniski,<BR>
President, Chief Executive Officer and Director</FONT></DIV>

<BR>

<DIV><FONT Face="Times New Roman, Times, Serif" SIZE=2>By: /s/ Scott Kingsley</FONT></DIV>

<HR NOSHADE ALIGN=left WIDTH="30%" SIZE=1>
<DIV><FONT Face="Times New Roman, Times, Serif" SIZE=2>Scott Kingsley, </FONT></DIV>


<DIV><FONT Face="Times New Roman, Times, Serif" SIZE=2>Treasurer and Chief Financial
Officer</FONT></DIV>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>71</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><A NAME=A21></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Report of Independent Registered Public
Accounting Firm </B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>To the Board
of Directors and Shareholders of Community Bank System, Inc.: </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>We have
completed integrated audits of Community Bank System, Inc.&#146;s consolidated
financial statements and of its internal control over financial reporting as of
December 31, 2006, in accordance with the standards of the Public Company
Accounting Oversight Board (United States). Our opinions, based on our audits,
are presented below. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=1></FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>Consolidated financial
statements </B> </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>In our opinion,
the consolidated financial statements listed in the accompanying index present
fairly, in all material respects, the financial position of Community Bank
Systems, Inc. and its subsidiaries at December 31, 2006 and 2005, and the
results of its operations and its cash flows for each of the three years in the
period ended December 31, 2006 in conformity with accounting principles
generally accepted in the United States of America. These financial statements
are the responsibility of the Company&#146;s management. Our responsibility is to
express an opinion on these financial statements based on our audits. We
conducted our audits of these statements in accordance with the standards of
the Public Company Accounting Oversight Board (United States). Those standards
require that we plan and perform the audit to obtain reasonable assurance about
whether the financial statements are free of material misstatement. An audit of
financial statements includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements, assessing the
accounting principles used and significant estimates made by management, and
evaluating the overall financial statement presentation. We believe that our
audits provide a reasonable basis for our opinion. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Internal control over financial reporting </B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Also, in our
opinion, management&#146;s assessment, included in Management's Report on Internal
Control Over Financial Reporting appearing under Item 8, that the Company
maintained effective internal control over financial reporting as of December
31, 2006 based on criteria established in <I>Internal
Control - Integrated Framework</I> issued by the Committee of Sponsoring
Organizations of the Treadway Commission (COSO), is fairly stated, in all
material respects, based on those criteria. Furthermore, in our opinion, the
Company maintained, in all material respects, effective internal control over
financial reporting as of December 31, 2006, based on criteria established in <I>Internal Control - Integrated Framework</I>
issued by the COSO. The Company&#146;s management is responsible for maintaining
effective internal control over financial reporting and for its assessment of
the effectiveness of internal control over financial reporting. Our
responsibility is to express opinions on management&#146;s assessment and on the
effectiveness of the Company&#146;s internal control over financial reporting based
on our audit. We conducted our audit of internal control over financial
reporting in accordance with the standards of the Public Company Accounting
Oversight Board (United States). Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether effective
internal control over financial reporting was maintained in all material
respects. An audit of internal control over financial reporting includes
obtaining an understanding of internal control over financial reporting,
evaluating management&#146;s assessment, testing and evaluating the design and
operating effectiveness of internal control, and performing such other
procedures as we consider necessary in the circumstances. We believe that our
audit provides a reasonable basis for our opinions. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>A company&#146;s
internal control over financial reporting is a process designed to provide
reasonable assurance regarding the reliability of financial reporting and the
preparation of financial statements for external purposes in accordance with
generally accepted accounting principles. A company&#146;s internal control over
financial reporting includes those policies and procedures that (i) pertain to
the maintenance of records that, in reasonable detail, accurately and fairly
reflect the transactions and dispositions of the assets of the company; (ii)
provide reasonable assurance that transactions are recorded as necessary to permit
preparation of financial statements in accordance with generally accepted
accounting principles, and that receipts and expenditures of the company are
being made only in accordance with authorizations of management and directors
of the company; and (iii) provide reasonable assurance regarding prevention or
timely detection of unauthorized acquisition, use, or disposition of the
company&#146;s assets that could have a material effect on the financial statements.
</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Because of its
inherent limitations, internal control over financial reporting may not prevent
or detect misstatements. Also, projections of any evaluation of effectiveness
to future periods are subject to the risk that controls may become inadequate
because of changes in conditions, or that the degree of compliance with the
policies or procedures may deteriorate. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/PricewaterhouseCoopers
LLP </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Syracuse, New
York <BR>
March 12, 2007 </FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>72</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P ALIGN=CENTER><A NAME=A22></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>TWO YEAR
SELECTED QUARTERLY DATA (Unaudited)</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=600>
<TR style="font-size:1px" >
<TD WIDTH="38%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P ALIGN=CENTER>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2006 Results</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>4th</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>3rd</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2nd</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>1</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B>st</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000's omitted, except per share data)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarter</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarter</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarter</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarter</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Total</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net interest
  income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>33,723</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>33,793</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>33,609</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>33,685</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>134,810</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Provision
  for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,410</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,725</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,150</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>6,585</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net interest
income after provision for
  loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,313</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,493</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,884</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,535</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>128,225</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Noninterest
  income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,672</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,744</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,345</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,516</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>49,277</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Operating
  expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,720</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,840</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,207</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,435</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,202</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Income
  before income taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,265</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,397</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,022</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,616</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,300</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Income taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,112</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,517</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,137</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>3,154</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>11,920</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,153</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,880</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,885</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>9,462</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>38,380</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Basic
  earnings per share</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.27</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.36</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.33</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.32</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.28</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Diluted
  earnings per share</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.27</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.36</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.33</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.31</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.26</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
</TABLE>

<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=600>
<TR style="font-size:1px">
<TD WIDTH="38%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="2%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=BOTTOM>
<P ALIGN=RIGHT>&nbsp;</P>
</TD>
<TD WIDTH="1%" VALIGN=BOTTOM>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2005
  Results</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>4th</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>3rd</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>2nd</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>1</B><FONT Face="Times New Roman, Times, Serif"
SIZE=1><B>st</B></FONT></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>(000's
  omitted, except per share data)</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarter</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarter</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarter</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Quarter</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=BOTTOM>
<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Total</B></FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Net interest
  income</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>34,997</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,046</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>36,056</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>37,702</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>143,872</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Provision
  for loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,250</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,275</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,134</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1,875</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,534</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-RIGHT:0IN;MARGIN-LEFT:17.3PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net interest
income after provision for
  loan losses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,747</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>32,771</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>33,922</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>35,827</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>135,338</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Noninterest income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,661</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>18,441</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>16,606</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>12,959</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>60,596</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Operating expenses</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>34,431</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>30,727</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,200</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>31,031</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>127,389</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income before income
taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>10,977</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>20,485</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>19,328</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,755</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>68,545</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Income taxes</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>2,651</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,621</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>5,047</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>4,421</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>17,740</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Net income</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>8,326</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,864</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>14,281</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>13,334</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>50,805</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Basic earnings per
share</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.28</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.49</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.47</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.44</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.68</FONT></P>
</TD>
<TD VALIGN=BOTTOM BGCOLOR="#EAF9E8">
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=BOTTOM>
<P STYLE='MARGIN-LEFT:8.65PT;TEXT-INDENT:-8.65PT'><FONT Face="Times New Roman, Times, Serif"   SIZE=2>Diluted earnings per
share</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.27</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.48</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.46</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>0.43</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>$</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.65</FONT></P>
</TD>
<TD VALIGN=BOTTOM>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=2 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
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</TD>
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</TD>
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</TD>
<TD VALIGN=TOP>
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</TD>
<TD VALIGN=TOP>
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</TD>
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</TD>
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</TD>
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</TD>
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</TD>
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</TD>
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</TD>
</TR>
</TABLE>

<P><A NAME=A23></A><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U><B><I>Item 9. Changes in and Disagreements with
Accountants on Accounting and Financial Disclosure </I></B><I><BR><BR></I></U>None </FONT> </P>

<P><A NAME=A24></A><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U><B><I>Item 9A. Controls and Procedures</I></B></U> </FONT> </P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Under the
supervision and with the participation of our management, including our chief
executive officer and chief financial officer, we conducted an evaluation of
our disclosure controls and procedures, as such term is defined under Rule 13a
- 15(e) under the Securities Exchange Act of 1934. Based upon this evaluation,
our chief executive officer and our chief financial officer concluded that our
disclosure controls and procedures were effective as of the end of the period
covered by this annual report. Management&#146;s annual report on internal control
over financial reporting is included under the heading &#147;Report on Internal Control
Over Financial Reporting&#148; at Item 8 of this Annual Report on Form 10-K. The
attestation report of the registered public accounting firm is included under
the heading &#147;Report of the Independent Registered Public Accounting Firm&#148; at
Item 8 of this Annual Report on Form 10-K. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Company
continually assesses the adequacy of its internal control over financial
reporting and enhances its controls in response to internal control
assessments, and internal and external audit and regulatory recommendations. No
change in internal control over financial reporting during the quarter ended
December 31, 2006 or through the date of this Annual Report on Form 10-K have
materially affected, or are reasonably likely to materially affect, the
Company&#146;s internal control over financial reporting. </FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Because of its
inherent limitations, internal control over financial reporting may not prevent
or detect misstatements. Also, projections of any evaluation of effectiveness
to future periods are subject to the risk that controls may become inadequate
due to changes in conditions, or that the degree of compliance with the
policies or procedures may deteriorate. </FONT></P>

<P><A NAME=A25></A><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U><B><I>Item 9B. Other Information </I></B><I><BR>
<BR></I></U>None </FONT> </P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>73</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P ALIGN=CENTER><A NAME=A26></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Part III</B></FONT></P>

<P><A NAME=A27></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 10. Directors and Executive Officers of
the Registrant</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
information concerning Directors of the Company required by this Item 10 is
incorporated herein by reference to the sections entitled &#147;Nominees for
Director and Directors Continuing in Office&#148; and &#147;Section 16(a) Beneficial
Ownership Reporting Compliance&#148; in the Company&#146;s Proxy Statement. The
information concerning executive officers of the Company required by this Item
10 is incorporated by reference to Item 4A of this Annual Report on Form 10-K.
The Company has adopted a code of ethics that applies to its principal
executive officer, principal financial officer, principal accounting officer or
controller, or persons performing similar functions. The text of the code of
ethics is posted on the Company&#146;s website at <U>www.communitybankna.com</U>, and is
available free of charge in print to any person who requests it. The Company
intends to satisfy the requirements under Item 5.05 of Form 8-K regarding an
amendment to, or a waiver from, the code of ethics that relates to certain
elements thereof, by posting such information on its website referenced above.
In addition, information concerning Audit Committee and Audit Committee
Financial Expert is included in the Proxy Statement under the caption &#147;Audit
Committee Report&#148; and is incorporated herein by reference.</FONT></P>

<P><A NAME=A28></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 11. Executive Compensation</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
information required by this Item 11 is incorporated herein by reference to the
section entitled &#147;Compensation of Executive Officers&#148; in the Company&#146;s Proxy
Statement.</FONT></P>

<P><A NAME=A29></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 12. Security Ownership of Certain
Beneficial Owners and Management and Related Stockholder Matters</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
information required by this Item 12 is incorporated herein by reference to the
section entitled &#147;Nominees for Director and Directors Continuing in Office&#148; in
the Company&#146;s Proxy Statement.</FONT></P>

<P><A NAME=A30></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 13. Certain Relationships and Related
Transactions</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
information required by this Item 13 is incorporated herein by reference to the
section entitled &#147;Transactions with Management&#148; in the Company&#146;s Proxy
Statement.</FONT></P>

<P><A NAME=A31></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 14. Principal Accounting Fees and
Services</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
information required by this Item 14 is incorporated herein by reference to the
section entitled &#147;Audit Fees&#148; in the Company&#146;s Proxy Statement.</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>74</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P ALIGN=CENTER><A NAME=A32></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B>Part IV</B></FONT></P>

<P><A NAME=A33></A><FONT Face="Times New Roman, Times, Serif" SIZE=2><B><I><U>Item 15. Exhibits, Financial Statement
Schedules and Reports on Form 8-K</U></I></B></FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>A. Documents
Filed</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" COLSPAN="3" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="85%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>1.</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
  following consolidated financial statements of Community Bank System,
  Inc.&nbsp;and subsidiaries are included in Item 8:</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>-</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Condition,</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>December 31,
  2006 and 2005</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>-</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Income,</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Years ended
  December 31, 2006, 2005, and 2004</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>-</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Changes in Shareholders&#146; Equity,</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Years ended
  December 31, 2006, 2005, and 2004</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>-</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statements of Comprehensive Income,</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Years ended
  December 31, 2006, 2005, and 2004</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>-</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Consolidated
  Statement of Cash Flows,</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Years ended
  December 31, 2006, 2005, and 2004</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>-</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Notes to
  Consolidated Financial Statements,</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>December 31,
  2006</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>-</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Report of
  Independent Registered Public Accounting Firm</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>-</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Quarterly
  selected data,</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Years ended
  December 31, 2006 and 2005 (unaudited)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Schedules
  are omitted since the required information is either not applicable or shown elsewhere
  in the financial statements.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.</FONT></P>
</TD>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The exhibits
  filed as part of this report and exhibits incorporated herein by reference to
  other documents are listed below:</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.1
  Agreement and Plan of Merger, dated August 2, 2006, by and among Community
  Bank System, Inc., Seneca Acquisition Corp. and ONB Corporation. Incorporated
  by reference to Exhibit 2.2 to the Quarterly Report on Form10-Q filed on
  November 8, 2006 (Registration No. 001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.2
  Agreement and Plan of Merger dated April 20, 2006, by and among Community
  Bank System, Inc., ESL Acquisition Corp., and ES&amp;L Bancorp., Inc.
  Incorporated by reference to Exhibit 2.1 to the Form 8-K filed on April 25,
  2006 (Registration No. 001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.3
  Agreement and Plan of Merger, dated January 6, 2004 and amended March 11,
  2004, by and among Community Bank System, Inc., Community Bank, N.A., and
  First Heritage Bank. Incorporated by reference to Annex A to the proxy
  statement/prospectus included in Registration Statement on Form S-4 filed on
  March 12, 2004, as amended (Registration No. 333-113581).</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.4 Amended
  and Restated Agreement and Plan of Merger, dated June 7, 2003, by and between
  Community Bank System, Inc. and Grange National Banc Corp. Incorporated by
  reference to Annex A to the proxy statement/prospectus included in the
  Registration Statement on Form S-4 filed on August 20, 2003, as amended
  (Registration No. 333-107949).</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD COLSPAN="3" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.5
  Agreement and Plan of Merger, dated May 6, 2003, by and among the Registrant,
  PB Acquisition Corp. and Peoples Bankcorp, Inc. Incorporated by reference to
  Exhibit 2.1 to the Current Report on Form 8-K of the Registrant filed on May
  8, 2003 (Registration No. 001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD WIDTH=2>
</TD>
<TD WIDTH=1>
</TD>
<TD WIDTH=618>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>75</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="90%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.6
  Agreement and Plan of Merger, dated November 29, 2000, by and between
  Community Bank System, Inc. and First Liberty Bank Corp. Incorporated by
  reference to Exhibit No. 2.1 to the Current Report on Form 8-K filed on
  December 20, 2000 (Registration No. 001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.7
  Agreement regarding the Agreement and Plan of Merger, dated September 26,
  2000, by and between Community Bank, N.A. and The Citizens National Bank of
  Malone. Incorporated by reference to Exhibit No. 10.1 to the Registration
  Statement on Form S-4 filed on October 20, 2000 (Registration No. 333-48374).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2.8 Purchase
  and Assumption Agreement, dated December 6, 1994, by and between Community
  Bank System, Inc. and The Chase Manhattan Bank, N.A. Incorporated by
  reference to Exhibit No. 10.01 to the Registration Statement on Form S-2
  filed on April 11, 1995 (Registration No. 033-58539).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.1
  Certificate of Incorporation of Community Bank System, Inc., as amended.
  Incorporated by reference to Exhibit No. 3.1 to the Registration Statement on
  Form S-4 filed on October 20, 2000 (Registration No. 333-48374).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.2
  Certificate of Amendment of Certificate of Incorporation of Community Bank
  System, Inc. Incorporated by reference to Exhibit No. 3.1 to the Quarterly
  Report on Form 10-Q filed on May 5, 2004 (Registration No. 001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>3.3 Bylaws
  of Community Bank System, Inc., amended March 15, 2006. Incorporated by
  reference to Exhibit 3.2 to the Form 8-K filed on June 30, 2006.
  (Registration No. 001-13695) </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.1 Junior
  Subordinated Deferrable Interest Debentures, dated as February 3, 1997, by
  and between Community Bank System, Inc. and The Chase Manhattan Bank.
  Incorporated by reference to Exhibit No. 4.1 to the Registration Statement on
  Form S-4 filed on June 25, 1997 (Registration No. 333-30045).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.2 Amended
  and Restated Declaration of Trust of Community Capital Trust I, dated as
  February 3, 1997, by and between Community Bank System, Inc. and The Chase
  Manhattan Bank. Incorporated by reference to Exhibit No. 4.5 to the
  Registration Statement on Form S-4 filed on June 25, 1997 (Registration No.
  333-30045).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>4.3 Form of
  Common Stock Certificate. Incorporated by reference to Exhibit No. 4.1 to the
  Amendment No. 1 to the Registration Statement on Form S-3 filed on October
  24, 2001 (Registration No. 333-68866).</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.1
  Indenture dated as of December 8, 2006, between Community Bank System, Inc.
  and Wilmington Trust Company, as trustee. Incorporated by reference to
  Exhibit No. 4.1 to the Form 8-K filed on December 12, 2006 (Registration No.
  001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.2 Amended
  and Restated Declaration of Trust dated as of December 8, 2006, among
  Community Bank System, Inc., as sponsor, Wilmington Trust Company, as
  Delaware trustee, Wilmington Trust Company, as institutional trustee, and
  Mark E. Tryniski, Scott A. Kingsley, and Joseph J. Lemchak as administrators.
  Incorporated by reference to Exhibit 10.1 to the Form 8-K filed on December
  12, 2006 (Registration No. 001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.3
  Guarantee Agreement dated as of December 8, 2006, between Community Bank
  System, Inc., as guarantor, and Wilmington Trust Company, as guarantee
  trustee. Incorporated by reference to Exhibit 10.1 to the Form 8-K filed on
  December 12, 2006 (Registration No. 001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.4
  Post-2004 Supplemental Retirement Agreement, effective January 1, 2005, by
  and between Community Bank System, Inc., Community Bank, N.A. and Sanford
  Belden. Incorporated by reference to Exhibit No. 10.2 to the Annual Report on
  Form 10-K filed on March 15, 2005 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.5
  Pre-2005 Supplemental Retirement Agreement, effective December 31, 2004, by
  and between Community Bank System, Inc., Community Bank, N.A. and Sanford
  Belden. Incorporated by reference to Exhibit No. 10.3 to the Annual Report on
  Form 10-K filed on March 15, 2005 (Registration No. 001-13695).**</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.6
  Employment Agreement, effective March 8, 2004, by and between Community Bank
  System, Inc. and Mark E. Tryniski. Incorporated by reference to Exhibit No.
  10.4 to the Annual Report on Form 10-K filed on March 12, 2004 (Registration
  No. 001-13695). **</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>76</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="90%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.7
  Supplemental Retirement Plan Agreement, effective July 1, 2003, by and
  between Community Bank System Inc. and Mark E. Tryniski. Incorporated by
  reference to Exhibit No. 10.5 to the Annual Report on Form 10-K filed on
  March 12, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.8
  Employment Agreement, effective August 2, 2004, by and between Community Bank
  System, Inc., Community Bank, N.A. and Scott A. Kingsley. Incorporated by
  reference to Exhibit No. 10.3 to the Quarterly Report on Form 10-Q filed on
  August 4, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.9
  Supplemental Retirement Plan Agreement, effective August 2, 2004, by and
  between Community Bank System Inc. and Scott A. Kingsley. Incorporated by
  reference to Exhibit No. 10.4 to the Quarterly Report on Form 10-Q filed on
  August 4, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.10
  Employment Agreement, effective August 1, 2004, by and between Community Bank
  System, Inc., Community Bank, N.A. and Brian D. Donahue. Incorporated by
  reference to Exhibit No. 10.1 to the Quarterly Report on Form 10-Q filed on
  November 8, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.11
  Employment Agreement, effective March 20, 2003, by and between Community Bank
  System, Inc. and James A. Wears. Incorporated by reference to Exhibit No.
  10.6 to the Annual Report on Form 10-K filed on March 12, 2004 (Registration
  No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.12
  Supplemental Retirement Plan Agreement, effective February 1, 2004, by and
  between Community Bank System Inc. and James A. Wears. Incorporated by
  reference to Exhibit No. 10.7 to the Annual Report on Form 10-K filed on
  March 12, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.13
  Employment Agreement, effective November 21, 2003, by and between Community
  Bank System, Inc. and Thomas A. McCullough. Incorporated by reference to
  Exhibit No. 10.10 to the Annual Report on Form 10-K filed on March 12, 2004
  (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.14
  Supplemental Retirement Plan Agreement, effective March 26, 2003, by and
  between Community Bank System Inc. and Thomas McCullough. Incorporated by
  reference to Exhibit No. 10.11 to the Annual Report on Form 10-K filed on
  March 12, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.15
  Employment Agreement, effective May 1, 2004, by and between Community Bank
  System, Inc., Community Bank N.A. and Steven R. Tokach. Incorporated by
  reference to Exhibit No. 10.2 to the Quarterly Report on Form 10-Q filed on
  August 4, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.16
  Employment Agreement, effective September 1, 2002, by and between Community
  Bank System, Inc., Community Bank N.A. and Timothy J. Baker. Incorporated by
  reference to Exhibit No. 10.2 to the Quarterly Report on Form 10-Q filed on
  November 8, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.17 Change
  of Control Agreement, effective November 30, 2001 by and between Community
  Bank System, Inc., Community Bank N.A. and W. Valen McDaniel. **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.18
  Employment Agreement, effective September 1, 2002, by and between Community Bank
  System, Inc., Community Bank N.A. and Joseph J. Lemchak. Incorporated by
  reference to Exhibit No. 10.4 to the Quarterly Report on Form 10-Q filed on
  November 8, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.19
  Employment Agreement, effective October 1, 2004, by and between Community
  Bank System, Inc., Community Bank N.A. and J. David Clark. Incorporated by
  reference to Exhibit No. 10.3 to the Quarterly Report on Form 10-Q filed on
  November 8, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.20
  Employment Agreement, effective May 15, 2004, by and between Community Bank
  System, Inc., Community Bank N.A. and Robert P. Matley. **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.21 Change
  of Control Agreement, effective August 20, 2002 by and between Community Bank
  System, Inc., Community Bank N.A. and J. Michael Wilson. **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.22 2004
  Long-Term Incentive Compensation Program. Incorporated by reference to
  Appendix A to the Definitive Proxy Statement on Schedule 14A filed on April
  15, 2004 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>77</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="90%"  VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.23 Stock
  Balance Plan for Directors, as amended. Incorporated by reference to Annex I
  to the Definitive Proxy Statement on Schedule 14A filed on March 31, 1998
  (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.24
  Deferred Compensation Plan for Directors, as amended. Incorporated by
  reference to Annex I to the Definitive Proxy Statement on Schedule 14A filed
  on March 31, 1998 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.25
  Community Bank System, Inc. Pension Plan Amended and Restated as of January
  1, 2004. Incorporated by reference to Exhibit No. 10.27 to the Annual Report
  on Form 10-K filed on March 15, 2005 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.26 Addendum to Employment Agreement, dated
  December 1, 2005, by and between Community Bank System, Inc., Community Bank,
  N.A., and Sanford A. Belden. Incorporated by reference to Exhibit No.
  10.28 to the Current Report on Form 8-K of the Registrant filed on January 6,
  2006 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.27 Employment Agreement, dated December 1,
  2005, by and between Community Bank System, Inc., Community Bank, N.A. and
  Mark E. Tryniski. Incorporated by reference to Exhibit No. 10.29 to
  the Current Report on Form 8-K of the Registrant filed on January 6, 2006
  (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.28 Separation Agreement by and between
  Community Bank System, Inc., Community Bank, N.A., and James A. Wears,
  effective December 31, 2005. Incorporated by reference to Exhibit No.
  10.30 to the Current Report on Form 8-K of the Registrant filed on January 6,
  2006 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.29 Separation Agreement by and between
  Community Bank System, Inc., Community Bank, N.A., and Michael A. Patton,
  effective December 31, 2005. Incorporated by reference to Exhibit No.
  10.31 to the Current Report on Form 8-K of the Registrant filed on January 6,
  2006 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.30
  Amendment #1 to the Community Bank System, Inc. Pension Plan, as amended and
  restated as of January 1, 2004 (&#147;Plan&#148;). Incorporated by reference to Exhibit
  No. 10.27 to the Annual Report on Form 10-K filed on March 15, 2005
  (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>10.31
  Amendment #1 to the Deferred Compensation Plan For Certain Executive
  Employees of Community Bank System, Inc., as amended and restated as of
  January 1, 2002. Incorporated by reference to Exhibit No. 10.33 to the Annual
  Report on Form 10-K filed on March 15, 2005 (Registration No. 001-13695). **</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>14.1
  Community Bank System, Inc., Code of Ethics. Incorporated by reference to
  Exhibit No. 1 to the Annual Report on Form 10-K filed on March 15, 2005
  (Registration No. 001-13695).</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD  VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>21.1
  Subsidiaries of Community Bank System, Inc.</FONT></P>
</TD>
</TR>
</TABLE>
<BR>


<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="15%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="67%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="8%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="10%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Name</B></FONT></P>
</TD>
<TD VALIGN=TOP colspan=2 nowrap>
<P align=right><FONT Face="Times New Roman, Times, Serif" SIZE=1><B>Jurisdiction
  of Incorporation</B></FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="9%" NOSHADE  ALIGN=LEFT>
</TD>

<TD VALIGN=TOP colspan=2>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community
  Bank, N.A.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community
  Capital Trust I</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Delaware</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community
  Capital Trust II</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Delaware</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community
  Statutory Trust III</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Connecticut</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community
  Capital Trust IV</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Delaware</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community
  Financial Services, Inc.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Benefit
  Plans Administrative Services, Inc.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Benefit
  Plans Administrative Services LLC</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Harbridge
  Consulting Group LLC</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>CBNA
  Treasury Management Corporation</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Community
  Investment Services, Inc.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>CBNA
  Preferred Funding Corp.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Delaware</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>CFSI
  Close-Out Corp.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Nottingham
  Advisors, Inc.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Delaware</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>First
  Liberty Service Corporation</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Delaware</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>First of
  Jermyn Realty Co.</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Delaware</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Brilie
  Corporation</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Town &amp;
  Country Agency LLC</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>New York</FONT></P>
</TD>
</TR>
</TABLE>

<BR>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="90%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>23.1 Consent
  of PricewaterhouseCoopers LLP. *</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>78</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 width=100%>
<TR style="font-size:1px" >
<TD WIDTH="5%" COLSPAN="2" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="85%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>31.1 Certification
  of Mark E. Tryniski, President and Chief Executive Officer of the Registrant,
  pursuant to Rule 13a-15(e) or Rule 15d-15(e) under the Securities Exchange
  Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of
  2002. *</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>31.2
  Certification of Scott Kingsley, Treasurer and Chief Financial Officer of the
  Registrant, pursuant to Rule 13a-15(e) or Rule 15d-15(e) under the Securities
  Exchange Act of 1934, as adopted pursuant to Section302 of the Sarbanes-Oxley
  Act of 2002. *</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>32.1
  Certification of Mark E. Tryniski, President and Chief Executive Officer of
  the Registrant, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
  Section 906 of the Sarbanes-Oxley Act of 2002. *</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>32.2
  Certification of Scott Kingsley, Treasurer and Chief Financial Officer of the
  Registrant, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
  Section 906 of the Sarbanes-Oxley Act of 2002. *</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Filed
  herewith</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Denotes
  management contract or compensatory plan or arrangement</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>

<TR>
<TD VALIGN=TOP colspan=4>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>B.&nbsp; Not
  applicable</FONT></P>
</TD>
</TR>
</Table>
<p ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>79</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><A NAME=A34></A><FONT Face="Times New Roman, Times, Serif" SIZE=2>SIGNATURES</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Pursuant to
the requirements of Section 13 or 15(d) 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></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>COMMUNITY BANK
SYSTEM, INC.</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="2%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="97%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>By: /s/ Mark
  E. Tryniski</FONT></P>
</TD>
</TR>
<TR>
<TD HEIGHT=15 VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD HEIGHT=15 VALIGN=TOP>
<HR SIZE=1 WIDTH="26%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD HEIGHT=15 VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD HEIGHT=15 VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mark E.
  Tryniski<BR>
  President, Chief Executive Officer and Director<BR>
  March 15, 2007</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Pursuant to
the requirements of the Securities and Exchange Act of 1934, this report has
been signed below by the following persons on behalf of the registrant and in
the capacities indicated on the 15<SUP>th</SUP> day of March 2006.</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Paul M.
  Cantwell, Jr.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="27%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Paul M.
  Cantwell, Jr., Director and<BR>
  Chairman of the Board of Directors</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Mark E.
  Tryniski</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="23%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>President,
  Chief Executive Officer and Director</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Scott
  Kingsley </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="19%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Scott
  Kingsley<BR>
  Treasurer and Chief Financial Officer<BR>
  (principal accounting officer)</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Directors:</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Brian R.
  Ace</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="17%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Brian R.
  Ace, Director </FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ William
  M. Dempsey</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="26%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>William M.
  Dempsey, Director</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Nicholas
  A. DiCerbo</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="26%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Nicholas A.
  DiCerbo, Director</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ James A.
  Gabriel </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="23%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>James A.
  Gabriel, Director</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Harold
  S. Kaplan</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="22%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Harold S.
  Kaplan, Director</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Charles
  E. Parente</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="24%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Charles E.
  Parente, Director</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ David C.
  Patterson</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="23%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>David C. Patterson,
  Director</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Sally A.
  Steele</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="19%" NOSHADE  ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Sally A.
  Steele, Director </FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>80</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5><P STYLE='PAGE-BREAK-AFTER: ALWAYS'></P><PAGE><BR>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>NEW YORK STOCK
EXCHANGE</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The
undersigned Chief Executive Officer of Community Bank System, Inc. (the
&#147;Company&#148;) certifies to the New York Stock Exchange (&#147;NYSE&#148;) that, as of the date
of this certification, he is unaware of any violation by Community Bank System,
Inc. of the NYSE&#146;s corporate governance listing standards in effect as of the
date of this certification.</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>The Chief
Executive Officer of the Company submitted the required certification to the
NYSE (as required pursuant to Section 303A.12 of the NYSE Listed Company
Manual) without qualification to the NYSE for the year ended December 31, 2005.
In addition, the certifications of the Chief Executive Officer and the Chief Financial
Officer required by Section 302 of the Sarbanes-Oxley Act of 2002 (the &#147;SOX 302
certifications&#148;) with respect to the Company&#146;s disclosures in its Annual Report
on Form 10-K for the year ended December 31, 2005 were filed as Exhibits 31.1
and 31.2 to such Annual Report on Form 10-K. The SOX 302 Certifications with
respect to the Company&#146;s disclosures in its Form 10-K for the year ended
December 31, 2006 are being filed as Exhibits 31.1 and 31.2 to this Annual
Report on Form 10-K.</FONT></P>

<TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="83%">
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Date: March
  15, 2007</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Mark E.
  Tryniski </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="24%" noshade ALIGN=LEFT>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mark E.
  Tryniski,</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>President,
  Chief Executive Officer and Director</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>81</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5>
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<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Exhibit 23.1</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>CONSENT OF
INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>We hereby consent to the incorporation by reference in
the Registration Statement on Form S-8 (Nos. 333-61916, 333-61672, 333-17011,
333-16635, 033-60607, 333-119887, 333-119590) of Community Bank System, Inc. of
our report dated March 12, 2007 relating to the financial statements,
management&#146;s assessment of the effectiveness of internal control over financial
reporting and the effectiveness of internal control over financial reporting, which
appears in this Form 10-K.</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="100%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ PricewaterhouseCoopers LLP</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Syracuse, New York</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>March 15, 2007</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>82</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5>
</DIV>
</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>5
<FILENAME>d71253_ex31-1.htm
<DESCRIPTION>RULE 13A-14(A)/15D-14(A) CERTIFICATIONS
<TEXT>
<HTML>

<HEAD><TITLE></TITLE></HEAD>
<BODY>
<BR>
<DIV STYLE="WIDTH:600">
<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Exhibit 31.1</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>CERTIFICATION
PURSUANT TO<BR>
18 U.S.C. SECTION 1350,<BR>
AS ADOPTED PURSUANT TO<BR>
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>I, Mark E. Tryniski, certify that:</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>1. I have reviewed this annual report on Form 10-K of
Community Bank System, Inc.;</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2. Based on my knowledge, this report does not contain
any untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under
which such statements were made, not misleading with respect to the period
covered by this report;</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>3. Based on my knowledge, the financial statements,
and other financial information included in this report, fairly present in all
material respects the financial condition, results of operations and cash flows
of the registrant as of, and for, the periods presented in this report;</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>4. The registrant&#146;s other certifying officer and I are
responsible for establishing and maintaining disclosure controls and procedures
(as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control
over financial reporting (as defined in Exchange Act Rules 13a-15(f) and
15d-15(f)) for the registrant and we have:</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>a)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Designed such disclosure controls and procedures, or
  caused such disclosure controls and procedures to be designed under our
  supervision, to ensure that material information relating to the registrant,
  including its consolidated subsidiaries, is made known to us by others within
  those entities, particularly during the period in which this report is being
  prepared;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>b)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Designed such internal control over financial
  reporting, or caused such internal control over financial reporting to be
  designed under our supervision, to provide reasonable assurance regarding the
  reliability of financial reporting and the preparation of financial
  statements for external purposes in accordance with generally accepted
  accounting principles;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>c)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Evaluated the effectiveness of the registrant&#146;s
  disclosure controls and procedures and presented in this report our
  conclusions about the effectiveness of the disclosure controls and
  procedures, as of the end of the period covered by this report based on such
  evaluation; and</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>d)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Disclosed in this report any change in the
  registrant&#146;s internal control over financial reporting that occurred during
  the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal
  quarter in the case of an annual report) that has materially affected, or is
  reasonably likely to materially affect, the registrant&#146;s internal control
  over financial reporting; and</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>5. The registrant&#146;s other certifying officer and I
have disclosed, based on our most recent evaluation of internal control over
financial reporting, to the registrant&#146;s auditors and the audit committee of
the registrant&#146;s board of directors (or persons performing the equivalent
functions):</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>a)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>All significant deficiencies and material weaknesses
  in the design or operation of internal control over financial reporting which
  are reasonably likely to adversely affect the registrant&#146;s ability to record,
  process, summarize and report financial information; and</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>b)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Any fraud, whether or not material, that involves
  management or other employees who have a significant role in the registrant&#146;s
  internal control over financial reporting.</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="15%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="84%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Date: March 15, 2007</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Mark E. Tryniski </FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mark E. Tryniski,</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>President, Chief Executive Officer and Director</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>83</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5>
</DIV>
</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>6
<FILENAME>d71253_ex31-2.htm
<DESCRIPTION>RULE 13A-14(A)/15D-14(A) CERTIFICATIONS
<TEXT>
<HTML>

<HEAD><TITLE></TITLE></HEAD>
<BODY>
<BR>
<DIV STYLE="WIDTH:600">

<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Exhibit 31.2</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>CERTIFICATION
PURSUANT TO<BR>
18 U.S.C. SECTION 1350,<BR>
AS ADOPTED PURSUANT TO<BR>
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>I, Scott Kingsley, certify that:</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>1. I have reviewed this annual report on Form 10-K of
Community Bank System, Inc.;</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>2. Based on my knowledge, this report does not contain
any untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under
which such statements were made, not misleading with respect to the period
covered by this report;</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>3. Based on my knowledge, the financial statements,
and other financial information included in this report, fairly present in all
material respects the financial condition, results of operations and cash flows
of the registrant as of, and for, the periods presented in this report;</FONT></P>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>4. The registrant&#146;s other certifying officer and I are
responsible for establishing and maintaining disclosure controls and procedures
(as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control
over financial reporting (as defined in Exchange Act Rules 13a-15(f) and
15d-15(f)) for the registrant and we have:</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>a)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Designed such disclosure controls and procedures, or
  caused such disclosure controls and procedures to be designed under our
  supervision, to ensure that material information relating to the registrant,
  including its consolidated subsidiaries, is made known to us by others within
  those entities, particularly during the period in which this report is being
  prepared;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>b)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Designed such internal control over financial
  reporting, or caused such internal control over financial reporting to be
  designed under our supervision, to provide reasonable assurance regarding the
  reliability of financial reporting and the preparation of financial statements
  for external purposes in accordance with generally accepted accounting
  principles;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>c)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Evaluated the effectiveness of the registrant&#146;s
  disclosure controls and procedures and presented in this report our
  conclusions about the effectiveness of the disclosure controls and
  procedures, as of the end of the period covered by this report based on such
  evaluation; and</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>d)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Disclosed in this report any change in the
  registrant&#146;s internal control over financial reporting that occurred during
  the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal
  quarter in the case of an annual report) that has materially affected, or is
  reasonably likely to materially affect, the registrant&#146;s internal control
  over financial reporting; and</FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>5. The registrant&#146;s other certifying officer and I
have disclosed, based on our most recent evaluation of internal control over
financial reporting, to the registrant&#146;s auditors and the audit committee of
the registrant&#146;s board of directors (or persons performing the equivalent
functions):</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>a)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>All significant deficiencies and material weaknesses
  in the design or operation of internal control over financial reporting which
  are reasonably likely to adversely affect the registrant&#146;s ability to record,
  process, summarize and report financial information; and</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>b)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Any fraud, whether or not material, that involves
  management or other employees who have a significant role in the registrant&#146;s
  internal control over financial reporting.</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="13%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="86%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Dated: March 15, 2007</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Scott Kingsley </FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Scott Kingsley, </FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Treasurer and Chief Financial Officer</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>84</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5>
</DIV>
</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>7
<FILENAME>d71253_ex32-1.htm
<DESCRIPTION>SECTION 1350 CERTIFICATIONS
<TEXT>
<HTML>

<HEAD><TITLE></TITLE></HEAD>
<BODY>
<BR>
<DIV STYLE="WIDTH:600">

<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2>Exhibit 32.1</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>CERTIFICATION
PURSUANT TO<BR>
18 U.S.C. SECTION 1350,<BR>
AS ADOPTED PURSUANT TO<BR>
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</FONT></P>

<P align="justify"><FONT Face="Times New Roman, Times, Serif" SIZE=2>In connection with the Annual Report of Community Bank
System, Inc. (the &#147;Company&#148;) on Form 10-K for the year ended December 31, 2006
as filed with the Securities and Exchange Commission on the date hereof (the
&#147;Report&#148;), I, Mark E. Tryniski, President and Chief Executive Officer of the
Company, certify, pursuant to 18 U.S.C. section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my
knowledge:</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>the Report fully complies with the requirements of
  Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>the information contained in the Report fairly
  presents, in all material respects, the financial condition and results of
  operations of the Company.</FONT></P>
</TD>
</TR>
</TABLE>

<BR>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="15%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="84%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Mark E. Tryniski</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<HR SIZE=1 WIDTH="100%" NOSHADE  ALIGN=CENTER>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP nowrap>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Mark E. Tryniski</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>President, Chief Executive Officer and Director</FONT></P>
</TD>
</TR>
<TR>
<TD COLSPAN="2" VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>March 15, 2007 </FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>85</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=5>

</DIV>
</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>8
<FILENAME>d71253_ex32-2.htm
<DESCRIPTION>SECTION 1350 CERTIFICATIONS
<TEXT>
<HTML>

<HEAD><TITLE></TITLE></HEAD>
<BODY>
<BR>
<DIV STYLE="WIDTH:600">

<P ALIGN=RIGHT><FONT Face="Times New Roman, Times, Serif" SIZE=2> Exhibit 32.2</FONT></P>

<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>CERTIFICATION
PURSUANT TO<BR>
18 U.S.C. SECTION 1350,<BR>
AS ADOPTED PURSUANT TO<BR>
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</FONT></P>

<P align="justify"><FONT Face="Times New Roman, Times, Serif" SIZE=2>In connection with the Annual Report of Community Bank
System, Inc. (the &#147;Company&#148;) on Form 10-K for the year ended December 31, 2006
as filed with the Securities and Exchange Commission on the date hereof (the
&#147;Report&#148;), I, Scott Kingsley, Chief Financial Officer of the Company, certify,
pursuant to 18 U.S.C. section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that to the best of my knowledge:</FONT></P>

<TABLE  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="95%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>the Report fully complies with the requirements of
  Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and</FONT></P>
</TD>
</TR>
<TR>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>the information contained in the Report fairly
  presents, in all material respects, the financial condition and results of
  operations of the Company.</FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>/s/ Scott Kingsley </FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=1>&nbsp;</FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Scott Kingsley, </FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>Treasurer and Chief Financial Officer</FONT></P>
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<P><FONT Face="Times New Roman, Times, Serif" SIZE=2>March 15, 2007</FONT></P>
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<P ALIGN=CENTER><FONT Face="Times New Roman, Times, Serif" SIZE=2>86</FONT></P>

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