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<SEC-DOCUMENT>0001169232-07-001963.txt : 20070425
<SEC-HEADER>0001169232-07-001963.hdr.sgml : 20070425
<ACCEPTANCE-DATETIME>20070425083008
ACCESSION NUMBER:		0001169232-07-001963
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20070424
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20070425
DATE AS OF CHANGE:		20070425

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COMMUNITY BANK SYSTEM INC
		CENTRAL INDEX KEY:			0000723188
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				161213679
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13695
		FILM NUMBER:		07786121

	BUSINESS ADDRESS:	
		STREET 1:		5790 WIDEWATERS PKWY
		CITY:			DEWITT
		STATE:			NY
		ZIP:			13214
		BUSINESS PHONE:		8007242262

	MAIL ADDRESS:	
		STREET 1:		5790 WIDEWATERS PARKWAY
		CITY:			DEWITT
		STATE:			NY
		ZIP:			13214
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d71719_8k.htm
<DESCRIPTION>CURRENT REPORT
<TEXT>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>UNITED STATES</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>SECURITIES AND EXCHANGE COMMISSION</font></B></p>

<p style=' margin-bottom:0pt; margin-top:6pt;text-align:center;'><b> W<small>ASHINGTON,</small> <small>D.C.</small></b><font size=2>&nbsp;</font><b>20549</b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><U><B><font SIZE=3>FORM 8-K</font></B></U></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=3>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>CURRENT REPORT</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><u><b><font size=2>Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934</font></b></u></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Date of Report </font><font size=2>(Date of earliest event reported)</font><font size=2>: April 24, 2007</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

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      <P align=center>&nbsp;</P></TD>
    <TD vAlign=top width="77%">
      <P align=center>&nbsp;</P></TD></TR>
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      <P><FONT face="Times New Roman, Times, Serif" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<IMG src="d71253002.jpg"></FONT></P></TD></TR>
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      <P align=center><FONT face="Times New Roman, Times, Serif" size=4><B>COMMUNITY BANK SYSTEM, INC.</B></FONT></P></TD></TR>
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    <TD vAlign=top colSpan=2>
      <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>


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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><font size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Delaware&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><font size=2>&nbsp;&nbsp;&nbsp;&nbsp;001-13695&nbsp;&nbsp;&nbsp;&nbsp;</font></u></p> </td>
        <td width="215" valign=top style='padding:0in 0.0pt 0in 0.0pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><font size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16-1213679&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></p> </td> </tr>
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        <td width="265" valign=top style='padding:0in 0.0pt 0in 0.0pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(State or other jurisdiction of incorporation)</font></p> </td>
        <td width="160" valign=top style='padding:0in 0.0pt 0in 0.0pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Commission File Number)</font></p> </td>
        <td width="235" valign=top style='padding:0in 0.0pt 0in 0.0pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(I.R.S.&nbsp;Employer Identification No.)</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><font size=2>5790 Widewaters Parkway, DeWitt, New York</font></u></p> </td>
        <td width="190" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="110" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><font size=2>&nbsp;&nbsp;&nbsp;&nbsp;13214-1883&nbsp;&nbsp;&nbsp;&nbsp;</font></u></p> </td> </tr>
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        <td width="300" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Address of principal executive offices)</font></p> </td>
        <td width="190" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="110" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(Zip Code)</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><u><font size=2>(315) 445-2282  </font></u><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Registrant&#146;s telephone number, including area code)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>_________________________________</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2> (Former Name or Former Address, if Changed Since Last Report)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:left;'><font size=2>Check the appropriate box below if the form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><FONT FACE="WINGDINGS" SIZE="2" COLOR="#000000">&#168;</FONT></p></td>
        <td width="619" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></p></td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><FONT FACE="WINGDINGS" SIZE="2" COLOR="#000000">&#168;</FONT></p> </td>
        <td width="619" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Soliciting material pursuant to rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><FONT FACE="WINGDINGS" SIZE="2" COLOR="#000000">&#168;</FONT></p> </td>
        <td width="619" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><FONT FACE="WINGDINGS" SIZE="2" COLOR="#000000">&#168;</FONT></p> </td>
        <td width="619" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:left;'>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Item 2.02 Results of Operations and Financial Condition.</font></b><font size=2> </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>On April 24, 2007, Community Bank System, Inc. announced its results of operations for the quarter ending March 31, 2007. The public announcement was made by means of a news release, the text of which is set forth in Exhibit 99 hereto. </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>The information in this Form 8-K, including Exhibit 99 attached hereto, is being furnished under Item 12 and shall not be deemed to be &#147;filed&#148; for purposes of Section 18 of the Securities Exchange Act of 1934 (the &#147;Exchange Act&#148;), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Item 9.01  Financial Statements and Exhibits.</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;line-height:200%;'><font size=2>The following exhibit is filed as a part of this report:</font></p>


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        <td width="144" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><u><font size=2>Exhibit No.</font></u></p> </td>
        <td width="87" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><u><font size=2>Description</font></u></p> </td> </tr></table>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2><A HREF="d71719_ex-99.htm">99</A></font></p> </td>
        <td width="228" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2><A HREF="d71719_ex-99.htm">Press Release, dated April 24, 2007</A></font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>
<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><u><b><small>SIGNATURES</small></b></u></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>Pursuant to the requirements of The Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Community Bank System, Inc.</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Date: April 24, 2007</font></p> </td>
        <td width="327" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><u><font size=2>&nbsp;&nbsp;/s/ Mark  E Tryniski&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font color="#FFFFFF"><u><font size=2>.</font></u></font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:2.99in;text-align:left;'><font size=2>Mark E. Tryniski, President, Chief Executive Officer</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:2.99in;text-align:left;'><font size=2>and Director</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Date: April 24, 2007</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><u><font size=2>&nbsp;&nbsp;/s/ Scott  Kingsley&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font color="#FFFFFF"><u><font size=2>.</font></u></font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:2.99in;text-align:left;'><font size=2>Scott  Kingsley, Executive Vice President and Chief</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:2.99in;text-align:left;'><font size=2>Financial Officer</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:right;'><u><font size=2>Exhibit 99</font></u></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>

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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><img src="img4.gif"><br> <u></u></p> </td>
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            <p style='margin-right:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=6><u><b>News Release</b></u></font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><B><font SIZE=2>COMMUNITY BANK SYSTEM</font></B></p> </td>
        <td width="300" valign=bottom style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>5790 Widewaters Parkway</font></p> </td>
        <td width="300" valign=bottom style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>For further information, please contact:</font></p></td> </tr></table>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="300" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>Scott A. Kingsley,</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>EVP &amp; Chief Financial Officer</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>Office: (315) 445-3121</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>Fax:  (315) 445-7347</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:right;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b>C<small>OMMUNITY</small> B<small>ANK</small> S<small>YSTEM</small> A<small>NNOUNCES</small></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b>H<small>IGHER</small> F<small>IRST</small> Q<small>UARTER</small> R<small>ESULTS</small></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=3>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.55in;text-align:left;'><font size=2>Syracuse, N.Y. &#150; April 24, 2007 &#150; Community Bank System, Inc. (NYSE: CBU) reported quarterly net income of $9.7 million, or $0.32 per share, in the first quarter of 2007, a 3% increase from the $0.31 per share, or $9.5 million, reported in the first quarter of 2006. Year-over-year loan and deposit growth of 12% and 6%, respectively, combined with very favorable asset quality results and an 8% increase in noninterest income, were able to more than offset an increased cost of funds and higher operating expenses, resulting in improved earnings. Cash earnings per share (which excludes the after-tax effect of the amortization of intangible assets and acquisition-related market value adjustments) were $0.36 in the first quarter, a full $0.04 per share, or 13%, above GAAP-reported results.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&#147;We are pleased to report improved earnings for the first quarter of 2007 that are in line with previously communicated expectations,&#148; said Mark E. Tryniski, President and Chief Executive Officer. &#147;Balance sheet growth, improved noninterest income, and exceptional asset quality more than offset a tightening of the net interest margin. Deposit growth was very strong in the quarter, with loan volumes experiencing an expected seasonal decline. We&#146;re particularly pleased with the performance of our Pennsylvania region (First Liberty Bank &amp; Trust), which delivered strong first quarter growth in both commercial lending and consumer deposits. First quarter 2007 results also reflect the two acquisitions we completed during 2006, including Elmira Savings &amp; Loan in August and Ontario National Bank in December. We expect to close on the previously announced acquisitions of Hand Benefit &amp;
Trust in May and Tupper Lake National Bank in early June.&#148;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Net interest income was $33.4 million for the first quarter, down less than 1% from $33.7 million in the prior year&#146;s first quarter. Average earning assets were up $318 million from the first quarter of 2006, a result of both acquired and organic loan growth. The first quarter net interest margin of 3.74% was consistent with the fourth quarter of 2006, but was 32 basis points below the 4.06% reported in the first quarter of last year, reflecting a higher cost of funds as well as the impact of the ES&amp;L and ONB acquisitions completed in 2006, which had somewhat lower net interest margin attributes. Earning asset yields in the first quarter of 2007 were 23 basis points above the first quarter of 2006, while the cost of funds increased 56 basis points year-over-year, resulting in net interest margin compression.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Total loans outstanding at the end of the first quarter were $2.68 billion, up 11% from the prior year. The 0.7% decline in the company&#146;s loan portfolios from year-end 2006 related to seasonal softness in the company&#146;s consumer indirect installment business, consistent with previous years. A small increase in the consumer mortgage portfolio was offset by a slight decline in business loans during the quarter. Average loans were up slightly from the fourth quarter of 2006, and increased 12% from last year&#146;s first quarter. The company&#146;s loan portfolio continues to be very well balanced, with 35.7% of total outstandings in business lending, 34.1% consumer mortgages, and 30.2% in consumer installment products including home equity loans. The company&#146;s consumer real estate portfolio does not include exposure to subprime, alternative-A, or other nontraditional types of mortgage products.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>The $0.2 million loan loss provision for the quarter was significantly lower than the $2.15 million reported in the first quarter of 2006, and $1.2 million lower than the fourth quarter of 2006. Net charge-offs of $0.6 million, or 0.09% of average loans, were down $1.4 million from the first quarter of 2006, and $0.8 million lower than the $1.4 million reported in the fourth quarter of 2006. Delinquency and nonperforming loan ratios remained stable, and favorable to historical levels.   </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Noninterest income (excluding gains and losses on investment securities and debt extinguishment) increased $1.0 million, or 7.7%, over the first quarter of 2006. The company&#146;s employee benefits administration and consulting business posted a 17% increase in revenues over the prior year&#146;s first quarter on the strength of new product offerings and new clients. Excluding some large trust estate fees received in the first quarter of 2006, trust, investment and asset management fees were essentially flat from the year-earlier period. Deposit service fees and other banking revenues increased 8% over the first quarter of 2006, driven by new account relationships and growing card-related revenues. </font></p>

<p style=' margin-bottom:0pt; margin-top:12pt;text-align:left;'><font size=2>Operating expenses (excluding acquisition expenses and special charges) increased 6.4% from $31.4 million in the first quarter of 2006 to $33.5 million in this year&#146;s, due principally to the ES&amp;L and ONB acquisitions completed in the second half of 2006. Recurring operating expenses were 3.8% above the fourth quarter of 2006, reflecting a full-quarter inclusion of ONB operating expenses, as well as annual merit increases and certain stock-based compensation costs.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>The company&#146;s effective income tax rate of 24.1% in the first quarter of 2007 was slightly below the 25.0% reported in the first quarter of 2006. </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Financial Position</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Average earning assets of $4.0 billion for the first quarter of 2007 were up slightly from the fourth quarter of 2006. Compared to the first quarter of 2006, average earning assets increased $318.0 million, comprised of an organic and acquired increase in loans of $283.6 million and a $34.4 million increase in investments, principally short-term cash equivalents. Average deposits increased $40.1 million in the first quarter, and included seasonal increases in municipal funds (typically experienced early in the year), and were up $175.3 million, or 5.8%, from the first quarter of 2006. Total borrowings were down $51.6 million from the end of December and included the previously reported early redemption of $30 million of fixed-rate trust preferred securities early in the quarter.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Asset Quality</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>As of March 31, 2007, the company&#146;s nonperforming loan ratio was 0.47%, consistent with the end of the fourth quarter of 2006, and lower than the 0.62% a year ago. The delinquency ratio was 1.02% at quarter-end, an improvement from 1.33% at December 31, 2006, and 1.26% at March 31, 2006. The charge-off ratio was 0.09% (of total loans) for the first quarter, compared to 0.21% in the fourth quarter of 2006, and 0.34% for last year&#146;s first quarter.  Despite the lower provision for loan losses, the ratio of allowance for loan losses to total loans remained at 1.34% at the end of the first quarter, consistent with the end of the fourth quarter. This improved and stable asset quality profile is primarily the result of the company&#146;s enhanced credit risk management programs and continued emphasis on disciplined underwriting standards.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Stock Repurchase</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>During the first quarter of 2007 the company purchased 61,300 common shares at an aggregate cost of approximately $1.25 million under the previously announced share repurchase programs authorized in December 2006. At March 31, 2007, there were 1.49 million shares available for repurchase under these programs.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Expansion Initiatives</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>As stated above, during the first quarter the company announced its intentions to acquire Tupper Lake National Bank (TLNB) as well as Hand Benefits &amp; Trust (HB&amp;T). Based in Tupper Lake, N.Y., the $100-million-asset bank operates five branches and an insurance agency in northeastern New York. Its Plattsburgh and Saranac Lake locations will mark the company&#146;s first entry into the counties of Clinton and Essex, respectively, and its two Tupper Lake branches will strengthen its presence in Franklin County to a &#145;number-one&#146; market share position. HB&amp;T, based in Houston, Texas, provides employee benefit plan administration and trust services. When combined with its existing BPA-Harbridge subsidiary, the company expects to generate more than $20 million in annual revenue and administer over 140,000 defined contribution and flexible spending accounts with nearly $3.0 billion of assets under
custody. In addition, the company is nearing completion of a new branch in Springville, N.Y., which will position it closer to many attractive opportunities in Buffalo&#146;s southern suburbs. It is also expanding its new Ithaca, N.Y. facility, gained from the ES&amp;L purchase, in order to better service this very vibrant community. All of these events are expected to be completed during the second quarter.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Conference Call Scheduled</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:3pt; margin-top:0pt;text-align:left;'><font size=2>A conference call will be held with company management at 11:00 a.m. (ET) on Wednesday, April 25, 2007, to discuss the above results at 1-866-838-2057. An audio recording will be available one hour after the call until June 30, 2007, and may be accessed at 1-888-284-7564 (access code 212334). Investors may also listen live via the Internet at: http://www.videonewswire.com/event.asp?id=38896.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:3pt; margin-top:0pt;text-align:left;'><FONT SIZE="2">This webcast will be archived on this site for one full year and may be accessed at any point during this time at no cost. This earnings release, including supporting financial tables, is available within the Investor Relations / News &amp; Media section of the company&#146;s website at: </FONT> <FONT COLOR="#0000FF" SIZE="2"><U>www.communitybankna.com</U></FONT><FONT SIZE="2">. </FONT></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:3pt; margin-top:0pt;text-align:left;'><FONT SIZE="2">Community Bank System, Inc. (NYSE: CBU) is a registered bank holding company based in DeWitt, N.Y., with $4.5 billion in assets and over 130 customer facilities. Its wholly-owned banking subsidiary operates as Community Bank, N.A. across Upstate New York, where it operates as Community Bank, N.A., and as First Liberty Bank &amp; Trust throughout Northeastern Pennsylvania. Its other subsidiaries include: BPA-Harbridge, which provides actuarial, administration, consulting and daily valuation recordkeeping services for benefit plans from offices in Upstate New York and Pennsylvania; Community Investment Services, Inc., a broker-dealer delivering financial products throughout the company&#146;s branch network; and Nottingham Advisors, a wealth management and advisory firm with offices in Buffalo, N.Y., and North Palm Beach, Fla. For further information please visit our websites at: </FONT>
<FONT COLOR="#0000FF" SIZE="2"><U>www.communitybankna.com</U> </FONT> <FONT SIZE="2">or </FONT> <FONT COLOR="#0000FF" SIZE="2"><U>www.firstlibertybank.com</U></FONT><FONT SIZE="2">. </FONT> </p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Summary of Financial Data</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>(Dollars in thousands, except per share data)</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<table border="0" cellspacing=0 cellpadding=0 width="665" style='border-collapse:collapse'>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap colspan="4" valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2007</font></b></p> </td>
        <td  nowrap colspan="4" valign=bottom style='padding: .75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2006</font></b></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap colspan="4" valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>1st Qtr</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>4th Qtr</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>3rd Qtr</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2nd Qtr</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>1st Qtr</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Earnings</font></b></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loan income</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$44,935</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$45,543</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$43,482</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$39,760</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$38,328</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Investment Income</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,623</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,057</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15,679</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,722</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,330</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total interest income</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>61,558</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>61,600</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>59,161</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>56,482</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>54,658</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest Expense</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>28,191</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>27,877</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>25,369</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>22,873</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>20,973</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net interest income</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>33,367</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>33,723</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>33,792</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>33,609</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>33,685</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Provision for loan losses</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>200</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,410</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,300</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,725</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,150</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net interest income after provision for loan losses</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>33,167</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>32,313</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>32,492</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>31,884</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>31,535</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Deposit service fees</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,977</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,347</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,329</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,063</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,609</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other banking services</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>670</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>564</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,329</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>361</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>476</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Trust, investment and asset management fees</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,860</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,765</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,815</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,766</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,050</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Benefit plan administration, consulting and actuarial fees</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,972</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,398</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,271</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,155</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,381</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Investment securities gains, net</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(2,403)</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0</font></p> </td> </tr>
    <tr >
        <td width="325" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total noninterest income</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>13,479</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,671</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>13,744</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,345</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,516</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Salaries and employee benefits</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,286</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17,155</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,741</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,425</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,782</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Professional fees</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,185</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,083</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,119</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,108</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,283</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Occupancy and equipment and furniture</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,649</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,331</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,346</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,448</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,759</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Amortization of intangible assets</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,515</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,525</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,520</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,489</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,493</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,825</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,134</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,960</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,737</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,118</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Special charges/acquisition expenses</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>459</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>492</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>154</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total operating expenses</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>33,919</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>32,720</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>31,840</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>31,208</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>31,435</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Income before income taxes</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,727</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,264</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>14,396</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>13,021</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,616</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Income taxes</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,071</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,112</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,517</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,137</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,154</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:20.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net income</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$9,656</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$8,152</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$10,879</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$9,884</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$9,462</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Basic earnings per share</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.32</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.27</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.36</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.33</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.32</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Diluted earnings per share</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.32</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.27</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.36</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.33</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.31</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Diluted earnings per share-cash <sup>(1)</sup></font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.36</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.31</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.40</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.37</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.35</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Profitability</font></b></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Return on assets</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.88%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.73%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.01%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.95%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.93%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Return on equity</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.43%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.89%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9.44%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.76%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.38%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:15.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Noninterest income/operating income (FTE)<sup> (2)</sup></font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>26.6%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>25.9%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>26.8%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>24.8%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>25.2%</font></p> </td> </tr>
    <tr style='height:15.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Efficiency ratio <sup>(3)</sup></font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>63.1%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>60.8%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>58.8%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>59.8%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>60.3%</font></p> </td> </tr>
    <tr style='height:15.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:15.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Components of Net Interest Margin (FTE)</font></b></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style=' padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loan yield</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.81%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.80%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.77%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.60%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.49%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Investment yield</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.11%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.96%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.94%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.17%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.10%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Earning asset yield</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.58%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.52%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.49%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.45%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.35%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest-bearing deposit rate</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.80%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.70%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.55%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.38%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.19%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Short-term borrowing rate</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4.16%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.91%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4.21%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.63%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.61%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Long-term borrowing rate</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.57%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.80%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.70%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.60%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.62%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cost of all interest-bearing funds</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.37%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.32%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.15%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.96%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.80%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cost of funds (includes DDA)</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.90%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.84%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.68%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.50%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2.34%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net interest margin (FTE)</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.74%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.74%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.87%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4.00%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4.06%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Fully tax-equivalent adjustment</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,796</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,743</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,764</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,747</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,464</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
</p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Summary of Financial Data</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>(Dollars in thousands, except per share data)</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="665" style='border-collapse:collapse'>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap colspan="4" valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2007</font></b></p> </td>
        <td  nowrap colspan="4" valign=bottom style='padding: .75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2006</font></b></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap colspan="4" valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>1st Qtr</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>4th Qtr</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>3rd Qtr</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2nd Qtr</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>1st Qtr</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Average Balances</font></b></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loans</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$2,684,566</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$2,668,442</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$2,558,137</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$2,425,763</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$2,400,926</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Taxable investment securities</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>843,857</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>797,541</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>776,028</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>803,536</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>787,664</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Nontaxable investment securities</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>500,273</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>508,467</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>512,721</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>518,309</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>522,112</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total interest-earning assets</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,028,696</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,974,450</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,846,886</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,747,608</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,710,702</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total assets</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,469,244</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,423,468</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,272,052</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,167,403</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,144,391</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest-bearing deposits</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,622,472</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,576,041</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,540,150</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,460,781</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,410,348</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Short-term borrowings</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>159,444</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>160,262</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>125,013</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>127,208</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>163,940</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Long-term borrowings</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>613,624</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>599,121</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>534,811</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>509,102</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>468,884</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total interest-bearing liabilities</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,395,540</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,335,424</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,199,974</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,097,091</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,043,172</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Noninterest-bearing deposits</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>552,087</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>558,439</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>557,398</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>565,651</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>588,957</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Shareholders&#146; equity</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$464,623</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$469,127</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$456,996</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$452,408</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$458,163</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Balance Sheet Data</font></b></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cash and cash equivalents</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$224,917</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$232,032</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$119,430</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$124,453</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$121,795</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Investment securities</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,317,554</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,229,271</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,250,251</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,253,202</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,307,041</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loans:</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Consumer mortgage</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>914,909</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>912,505</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>890,939</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>822,235</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>814,885</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Business lending</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>957,853</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>960,034</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>953,808</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>827,021</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>820,722</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Consumer installment</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>809,472</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>829,019</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>816,815</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>795,010</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>772,614</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:20.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total loans</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,682,234</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,701,558</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,661,562</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,444,266</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,408,221</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Allowance for loan losses</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>35,891</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>36,313</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>35,517</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>32,900</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>32,720</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Intangible assets</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>244,598</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>246,136</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>239,635</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>221,896</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>223,385</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other assets</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>125,476</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>125,113</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>137,099</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>128,263</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>131,808</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total assets</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,558,888</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,497,797</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,372,460</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,139,180</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,159,530</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Deposits</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,278,468</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,168,299</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,138,774</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,039,038</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,063,022</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Borrowings</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>626,765</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>647,481</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>628,412</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>512,997</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>506,241</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Subordinated debt held by unconsolidated subsidiary trusts</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>127,099</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>158,014</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>80,545</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>80,530</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>80,517</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other liabilities</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>59,659</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>62,475</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>60,130</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>55,039</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>54,348</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total liabilities</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,091,991</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,036,269</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,907,861</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,687,604</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,704,128</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Shareholders&#146; equity</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>466,897</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>461,528</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>464,599</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>451,576</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>455,402</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:10.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total liabilities and shareholders&#146; equity</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,558,888</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,497,797</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,372,460</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,139,180</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,159,530</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Assets under management or administration</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,296,238</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,153,576</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$2,944,725</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$2,713,423</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$2,642,226</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Capital</font></b></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Tier 1 leverage ratio</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.29%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.81%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.26%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.73%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.68%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Tangible equity / tangible assets</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.15%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.07%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.44%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.86%</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5.89%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Accumulated other comprehensive income</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(3,994)</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(4,697)</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,798</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(3,638)</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,495</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Diluted weighted average common shares O/S</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>30,547</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>30,454</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>30,334</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>30,308</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>30,479</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Period end common shares outstanding</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>30,096</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>30,020</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>29,867</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>29,850</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>29,908</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cash dividends declared per common share</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.20 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.20 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.20 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.19 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.19 </font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Book value</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15.51 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15.37 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15.56 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15.13 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15.23 </font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Tangible book value</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.39 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.17 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.53 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.69 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.76 </font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Common stock price (end of period)</font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>20.92 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>23.00 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>22.16 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>20.17 </font></p> </td>
        <td width="68" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>22.33 </font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<div style='width:600;'>
<BR>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
</p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>Summary of Financial Data</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><b><font size=2>(Dollars in thousands, except per share data)</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="661" style='border-collapse:collapse'>
    <tr style='height:12.75pt'>
        <td width="325" nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap colspan="4" valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2007</font></b></p> </td>
        <td  nowrap colspan="4" valign=bottom style='padding: .75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2006</font></b></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap colspan="4" valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>1st Qtr</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>4th Qtr</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>3rd Qtr</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2nd Qtr</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>1st Qtr</font></p> </td> </tr>
    <tr style='height:12.75pt'>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
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        <td width="330" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Asset Quality</font></b></p> </td>
        <td width="66" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:.75pt .75pt 0in .75pt;height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td>
        <td  nowrap valign=top style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>
<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Nonaccrual loans</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$10,697</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$11,382</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$11,414</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$10,327</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$13,701</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Accruing loans 90+ days delinquent</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,914</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,207</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,133</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>765</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,213</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:9.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total nonperforming loans</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,611</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,589</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,547</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11,092</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>14,914</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other real estate owned (OREO)</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,916</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,838</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,320</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,353</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,613</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:9.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total nonperforming assets</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>14,527</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>14,427</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>13,867</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,445</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,527</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net charge-offs</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>622</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,400</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,115</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,545</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,011</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loan loss allowance/loans outstanding</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.34%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.34%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.33%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.35%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.36%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Nonperforming loans/loans outstanding</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.47%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.47%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.47%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.45%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.62%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loan loss allowance/nonperforming loans</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>285%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>288%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>283%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>297%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>219%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net charge-offs/average loans</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.09%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.21%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.17%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.26%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.34%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Delinquent loans/ending loans</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.02%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.33%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.22%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.15%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.26%</font></p> </td> </tr>
    <tr BGCOLOR="#EAF9E8" style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loan loss provision/net charge-offs</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>32%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>101%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>117%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>112%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>107%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
        <td width="330" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Nonperforming assets/total assets</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.32%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.32%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.32%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.30%</font></p> </td>
        <td width="66" nowrap valign=bottom style='padding:0pt 0pt 0in 0pt; height:12.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.40%</font></p> </td> </tr>
    <tr style='height:12.75pt'>
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<HR noshade width="100%"  color="gray" size="1"> </td>
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<HR noshade width="100%"  color="gray" size="1"> </td>
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<HR noshade width="100%"  color="gray" size="1"> </td>
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<HR noshade width="100%"  color="gray" size="1"> </td>
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<HR noshade width="100%"  color="gray" size="1"> </td>
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<HR noshade width="100%"  color="gray" size="1"> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.12in; text-indent:-0.12in;text-align:left;'><i><font size=2><sup>(1)</sup> Excludes the after-tax effect of amortization of intangible assets, market value adjustment amortization on acquired loans and deposits and <sup> </sup>  noncash  portion of debt extinguishment charge.</font></i></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.12in; text-indent:-0.12in;text-align:left;'><font size=2><sup>&nbsp;</sup></font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><i><font size=2><sup>(2)</sup> Excludes gain (loss) on investment securities &amp; debt extinguishment.</font></i></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.12in; text-indent:-0.12in;text-align:left;'><i><font size=2><sup>(3)</sup> Excludes intangible amortization, acquisition expenses/special charges and gain (loss) on investment securities &amp; debt extinguishment.</font></i></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:5pt; margin-top:0pt;text-align:center;'><i><font size=2># # #</font></i></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:5pt; margin-top:0pt;text-align:left;'><i><font size=2>This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The following factors, among others, could cause the actual results of CBU&#146;s operations to differ materially from CBU&#146;s expectations: the successful integration of operations of its acquisitions; competition; changes in economic conditions, interest rates and financial markets; and changes in legislation or regulatory requirements. CBU does not assume any duty to update forward-looking statements.</font></i></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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